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Overview

2 bd1 ba1,163 sqftSingle Family
TypeSingle Family
HOANone listed
Built1960
Lot24,649 sqft
Living area1,163 sqft
Price / sqft$120

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Living Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface CountersStorageDishwasherDryerElectric Water HeaterRange

12331 N Elf Pt is a 1960-built home in River Gardens Unit 02, Dunnellon. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,163 square feet of living space. Listed at $139,500 (about $120/sqft), 7 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Charming Country Retreat on Over Half an Acre in River Gardens! Nestled in a quiet, peaceful country setting in Dunnellon, this 2-bedroom, 1-bathroom single-family home offers incredible potential on a spacious 0.57-acre lot. Featuring 1,163 square feet of interior living space, solid concrete block and wood frame construction, low-maintenance vinyl siding, and updated laminate flooring throughout, this property is ready for your finishing touches and updates to make it truly shine. Relax outdoors in comfort with a welcoming covered front porch and a large, attached Florida room/back porch—perfect for enjoying quiet, shaded afternoons overlooking the expansive backyard. The half-acre lot provides excellent privacy and ample room for outdoor projects, gardening, or storing recreational equipment to explore nearby springs and waterways. The property is also near the Withlacoochee River and Goldendale Boat Ramp, offering convenient access to boating, kayaking, and fishing. Additional features include an attached carport, central heat pump HVAC system, and private well and septic. Whether you are looking for a rewarding renovation project, an affordable primary residence, or a country getaway, this property is full of opportunity. Schedule your private showing today to explore the possibilities!

The essentials

Built
1960
Price / sqft
$120
On market
12 days
Annual tax
$542
Flood zone
X · Low risk
Lot
24,649 sqft
Type
Single Family Residence

At a glance

Single family
Built 1960
0.57 acres
Lot size
1,163 sqft
Living area

Payment

Est. monthly payment
$843/mo
Down payment (20%)
$27,900
Property taxes
$45/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1960
Lot
24,649 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
12
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Storage
Dishwasher
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Elementary
Citrus Springs Elementar
Middle
Citrus Springs Middle School
High
Citrus High School

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

Flood Zone X
Annual Tax (2025)
$542
Parcel #
18E-16S-33-012A-00000-1340

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
River Gardens Unit 02
County
Citrus
MLS Area
34433 - Dunnellon/Citrus Springs
Lot Size
24,649 sqft
Greenbelt

Price history

Date
Event
Price
9/27/2026
Listed for sale
Source: Stellar MLS #OM732981
$139,500
$120/sqft

Neighborhood

12331 N Elf Pt
Dunnellon, FL, 34433 · 34433 - Dunnellon/Citrus Springs

Market insights

Offer Insights

Choose an offer strength

List price: $139,500
$137,000 – $139,500
98% – 100% of listTops out right at the list price
80% of listList price
98 of the last 195 home closings in 34433 landed at this number or higher (50%). The median one sat 56 days before it went under contract, and this one is on day 12.

Sample: 195 closed home sales in 34433 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$842/mo
Principal & interest$728
Property taxes$45
Insurance$70
Down payment20% · $27,900
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

$139,500

$120 per sq ft

Beds and baths

2 beds, 1 baths

Size

1,163 sq ft

Time on market

12 days

Year built

1960

Monthly payment

About $843/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $542 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

What should I offer?

Have another question?

Brokered byTROPIC SHORES REALTYListing agent: Sue-Jacqueli SpencerListing data from Stellar MLS, MLS# OM732981.

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