10801 SW 185th Ter, Dunnellon, FL, 34432
About This Home
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!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2008
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: HardiPlank Type,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven,Dishwasher,Disposal,Dryer,Exhaust Fan,Gas Water Heater,Ice Maker,Indoor Grill,Microwave,Range,Refrigerator,Tankless Water Heater,Washer
- Laundry features: Inside,Laundry Room
Bathroom1
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
Features
- Cathedral Ceiling(s),Living Room/Dining Room Combo,Open Floorplan,Solid Surface Counters,Thermostat
- Door features: French Doors,Outdoor Shower
- Window features: Window Treatments
- Flooring: Brick/Stone,Carpet
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 760
- Total interior livable area: 520 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Storage Closet
- Level: First
Property
Details
- Parcel number: 3483001010
- Zoning: R1
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Outdoor Shower
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front,River Access,Fishing Pier,Minimum Wake Zone,No Wake Zone
- Waterbody name: RAINBOW RIVER
Lot
- Lot size: 0.32 Acres
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Inland Flooding
- Lightning
- Cold Wave
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Marion County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,056 | $60,672 |
| Home Insurance * | $646 | $7,752 |
| Property Taxes | $1,587 | $19,044 |
| Electricity | $197 | $2,366 |
| Total | $7,486 | $89,832 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Price change | $999,999 |
| 2025-08-17 | Listed for sale | $1,199,999 |
| 2025-08-14 | Listing removed | $1,199,999 |
| 2024-08-12 | Listed for sale | $1,199,999 |
| 2024-02-09 | Listing removed | -- |
| 2023-08-10 | Listed for sale | $1,199,999 |
| 2023-07-13 | Listing removed | $1,399,000 |
| 2023-03-19 | Listing removed | -- |
| 2023-02-03 | Listed for sale | $1,399,000 |
| 2007-10-11 | Sold | $450,000 |
View on Zillow