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About this home
12130 Maple St is a 1964-built home in Rippling Waters, Dunnellon. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,533 square feet of living space. Listed at $650,000 (about $424/sqft), 125 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
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.
The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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
$650,000
$424 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,533 sq ft
Time on market
260 days
Year built
1964
Monthly payment
About $4,151/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,226 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.
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