12130 MAPLE STREET, DUNNELLON, FL, 34432
Active183 days on marketListed Jan 22, 2026MLS #TB8467501
About this home
12130 MAPLE STREET
Welcome to a rare opportunity on a canal directly connected to the world-famous Rainbow River in Dunnellon—one of Florida’s most pristine and protected spring-fed waterways. This 3-bedroom, 2-bath, 2-car garage home offers 1,533 sq ft of heated living space and sits high and dry with no history of flooding. Built in 1964, the structure is solid, well maintained, and freshly painted—providing a clean slate for personalization or value-add improvements. The true value is outside: significant water-frontage on a calm canal with direct access to the Rainbow River. Spend your days kayaking, paddleboarding, tubing, swimming, snorkeling, or simply enjoying the abundant wildlife, including otters, turtles, and native birds—all from your backyard. With crystal-clear spring-fed water, quiet no-wake surroundings, and uninterrupted natural views, this setting delivers the kind of daily lifestyle typically reserved for far higher-priced waterfront estates. Recent major upgrades provide peace of mind: New roof (2019) New 3-ton HVAC system (2024), 14.3 SEER Electrical panel upgraded to 200 amps (2024) Additional features include a short horseshoe driveway, no HOA, and zoning flexibility—making this an excellent primary residence, second home, or investment property. Properties with direct Rainbow River access are increasingly scarce; the location is irreplaceable.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,533
Sqft
0.22 ac
Lot size
2
Garage
1964
Year built
One
Levels
$424
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,347 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,347/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+151.8%
$/sqft vs Dunnellon actives
$424 vs $186
Days on market
183 vs 43 typical
Where $424/sqft sits among the 400 Dunnellon actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34432 — neighborhood snapshot
Population
13,197
Median age
56
Median income
$47,711
Median home value
$223,900
Avg household
2.27
Households w/ children
858
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunnellon market
$265K → $270K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
187 of 400
Dunnellon actives have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 183% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12130 MAPLE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$750,000
12190 MAPLE STREET · same community
2 bd · 2 ba · 1,715 sqft · $437/sqft · 544 DOM
Sold · Feb ’26$270,000
11317 N BUNNY TERRACE
3 bd · 2 ba · 1,529 sqft · $177/sqft · 24 DOM
Sold · Dec ’25$274,900
1871 W G MARTINELLI BOULEVARD
3 bd · 2 ba · 1,529 sqft · $180/sqft · 216 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12130 MAPLE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12130 MAPLE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12130 MAPLE STREET FAQs
What would the monthly payment be for 12130 MAPLE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,347/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12130 MAPLE STREET?+
The most recent tax bill on record (2025) was $5,226. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12130 MAPLE STREET?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dunnellon?+
At $650,000, this home is listed about 117% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12130 MAPLE STREET?+
Dunnellon Elementary School (elementary), Dunnellon High School (high), Dunnellon Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$650,000 runs 183% above the DUNNELLON 34432 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
183 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER NEXT GENERATIO · David Pareja. MLS #TB8467501.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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