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Overview

1 bd1 ba520 sqftSingle Family
TypeSingle Family
HOANone listed
Built2008
Lot13,939 sqft
Living area520 sqft
Price / sqft$1,923

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

About this home

Cathedral Ceiling(s)Living Room/Dining Room ComboOpen FloorplanSolid Surface CountersThermostatWindow TreatmentsOutdoor ShowerBuilt-in Oven

10801 SW 185th Ter is a 2008-built home in Rio Vista, Dunnellon. Inside you'll find 1 bedrooms, 1 bathrooms, and 520 square feet of living space. Listed at $999,999 (about $1,923/sqft), 430 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Escape to your own slice of paradise with this exquisite luxury cottage, nestled along the crystal-clear waters of the Rainbow River in the serene Rio Vista subdivision. Built in 2008, this charming retreat is perfect as a romantic hideaway, a lucrative short-term rental, or the foundation for your dream home on a spacious .32-acre lot with nearly 80 feet of private river frontage. Step inside to discover a gourmet kitchen that’s a chef’s delight, featuring a professional-grade Viking stove and range, premium appliances, elegant shaker cabinetry, gleaming granite countertops, and a custom brick backsplash. The open-concept living and dining area exudes warmth with soaring vaulted wood ceilings, plush seagrass carpeting, and rich brick flooring, creating an inviting ambiance for relaxation or entertaining. The airy Main Suite area, seamlessly connected to the living space, offers serene comfort with luxurious seagrass carpet, while the spa-inspired Master Bath boasts an oversized granite-topped vanity, a tiled shower, brick floors, and a convenient stackable washer/dryer. Need extra space? A versatile loft with pull-down stairs provides additional sleeping quarters or ample storage. The cottage is crafted with durability and style in mind, featuring Hardie board siding, energy-efficient Anderson windows and doors, a sleek galvanized metal roof, and a tankless water heater for modern convenience. Outside, the expansive screened porch with brick flooring offers breathtaking river views, perfect for morning coffee or evening sunsets. The meticulously landscaped yard, complete with a matching storage shed, leads to your private dock and swimming area, inviting you to dive into the pristine waters of the Rainbow River. Currently a sought-after VRBO/Airbnb rental generating $350 a night, this cottage is both a tranquil retreat and a proven investment opportunity. As part of the exclusive Rio Vista community, you’ll enjoy access to a private 4-acre park with a boat ramp, picnic pavilions, and restrooms. Located in the vibrant small town of Dunnellon, you’re just minutes from charming shops, the World Equestrian Center, Historic Downtown Ocala Square, and the natural wonders of Florida’s Nature Coast. Don’t miss this rare opportunity to own a piece of Rainbow River paradise—schedule your private tour today!

The essentials

Built
2008
Price / sqft
$1,923
On market
430 days
Annual tax
$4,593
Flood zone
AE
Lot
13,939 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Waterfront
River Front
0.32 acres
Lot size
520 sqft
Living area

Payment

Est. monthly payment
$6,098/mo
Down payment (20%)
$200,000
Property taxes
$383/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
13,939 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
River Front
Days on Market
430
Cathedral Ceiling(s)
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Thermostat
Window Treatments
Outdoor Shower
Built-in Oven
Dishwasher
Disposal
Dryer
Exhaust Fan
Gas Water Heater
Ice Maker
Indoor Grill
Microwave
Range
Refrigerator
Tankless Water Heater
Washer
Flood Zone AE
Annual Tax (2023)
$4,593
Parcel #
3483-001-010

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
Rio Vista
County
Marion
MLS Area
34432 - Dunnellon
Lot Size
13,939 sqft

Price history

Date
Event
Price
2/18/2026
Price change
Source: Stellar MLS #TB8418268
$999,999-16.7%
$1,923/sqft
-
Price change
Source: Stellar MLS #TB8418268
$1,199,999-40.0%
$2,308/sqft
8/15/2025
Listed for sale
Source: Stellar MLS #TB8418268
$1,999,999
$3,846/sqft

Neighborhood

10801 SW 185th Ter
Dunnellon, FL, 34432 · 34432 - Dunnellon

Market insights

Offer Insights

Choose an offer strength

List price: $999,999
$990,000 – $999,999
98.9% – 100% of listTops out right at the list price
80% of listList price
166 of the last 331 home closings in 34432 landed at this number or higher (50%). The median one sat 47 days before it went under contract, and this one is on day 430 after a $1,000,000 cut.

Sample: 331 closed home sales in 34432 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$6,098/mo
Principal & interest$5,215
Property taxes$383
Insurance$500
Down payment20% · $200,000
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

$999,999

$1,923 per sq ft

Beds and baths

1 beds, 1 baths

Size

520 sq ft

Time on market

430 days

Year built

2008

Monthly payment

About $6,098/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,593 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byEQUITY REALTY SUNCOASTListing agent: Kathy SchulzListing data from Stellar MLS, MLS# TB8418268.

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