389 SW Big Tree Rd, photo 1
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Overview

3 bd2 ba2,193 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2002
Lot131,987 sqft
Living area2,193 sqft
Price / sqft$201
Garage2 car

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About this home

Cathedral Ceiling(s)Living Room/Dining Room ComboRain GuttersDryerElectric Water HeaterMicrowaveRangeRefrigerator

389 SW Big Tree Rd is a 2002-built home in Rainbow Lakes Estate, Dunnellon. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,193 square feet of living space. Listed at $440,000 (about $201/sqft), 45 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

No neighbors. No HOA. No deed restrictions. Just peace, quiet, and three private acres to make your own. Welcome to 389 SW Big Tree Rd, a beautifully maintained 2,193 sq. ft. pool home in Rainbow Lakes Estates — a rural retreat where the only thing on your property line is more privacy. This 3-bedroom, 2-bathroom split floor plan gives everyone their own space, with a bonus 100 sq. ft. flex room ready to become a nursery, home office, or craft room — whatever your next chapter calls for. Step outside to expansive covered porches on both the front and back, perfect for morning coffee or evening unwinding, and a screened-in pool made for lazy Florida afternoons. Major systems are updated and worry-free: HVAC (2015), solar tube lighting (2020), and windows (2024) — plus a brand-new roof to be installed prior to closing, giving the next owner true peace of mind from day one. With no neighbors to the left, right, front, or back, you have the room to truly spread out — space for gardens, chickens, even a few goats. And if three acres feels like more than you need, that's the beauty of this property: sell off the acre to the left, the acre to the right, or both, and you'll still be left with a full acre — more than enough for a garden and a small flock, with all the privacy you started with. No HOA. No deed restrictions. Just you, your land, and your rules, which also makes this property a great candidate for a vacation rental, for buyers interested in that earning potential. Outdoor lovers will feel right at home here. Rainbow River is just 20 minutes away for kayaking, tubing, and swimming in some of Florida's clearest spring-fed water. Nearby, you'll also find boating and fishing at Centennial Park and along the Withlacoochee River, hiking and horseback riding at the Halpata Tastanaki Nature Preserve, and family-friendly outdoor time at Blue Run Park and Sea Cliff Community Park — making this property the rare combination of total seclusion and easy access to some of Florida's best natural recreation. Call David today for your private tour.

The essentials

Built
2002
Price / sqft
$201
On market
46 days
Annual tax
$3,949
Flood zone
X · Low risk
Lot
131,987 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
Private pool
In Ground
2 car garage
3.03 acres
Lot size
2,193 sqft
Living area

Payment

Est. monthly payment
$2,844/mo
Down payment (20%)
$88,000
Property taxes
$329/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
131,987 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
46
Cathedral Ceiling(s)
Living Room/Dining Room Combo
Rain Gutters
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Romeo Elementary School
Middle
Dunnellon Middle School
High
Dunnellon High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,949
Parcel #
1809-012-032

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Rainbow Lakes Estate
County
Marion
MLS Area
34431 - Dunnellon
Lot Size
131,987 sqft
In CountyLevelPrivate

Price history

Date
Event
Price
8/24/2026
Listed for sale
Source: Stellar MLS #OM730032
$440,000
$201/sqft

Neighborhood

389 SW Big Tree Rd
Dunnellon, FL, 34431 · 34431 - Dunnellon

Market insights

Offer Insights

Choose an offer strength

List price: $440,000
$427,500 – $440,000
97.2% – 100% of listTops out right at the list price
80% of listList price
126 of the last 250 home closings in 34431 landed at this number or higher (50%). The median one sat 35 days before it went under contract, and this one is on day 46.

Sample: 250 closed home sales in 34431 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,844/mo
Principal & interest$2,295
Property taxes$329
Insurance$220
Down payment20% · $88,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$440,000

$201 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,193 sq ft

Time on market

46 days

Year built

2002

Monthly payment

About $2,844/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,949 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byINVICTUS REAL ESTATE LLCListing agent: David CulbrethListing data from Stellar MLS, MLS# OM730032.

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