10894 185th Terrace, FL
Stellar MLS

$859,000

10894 185th Terrace

Dunnellon, FL 34432

Listing updated: March 25, 2026 at 1:34 PM ET

Active
2
Beds
2
Baths
1,006
Sq Ft
0.73
Acres
2023
Built
WaterfrontWater access$854/sqft
Single Family Residence

Property type

2023

Year built

31,799 sqft

Lot size

$854

Price / sq ft

No HOA

HOA dues

358

Days on market

1

Garage space

X

Flood zone

About this home

Stunning Custom-Built Home on the Rainbow River – Dunnellon, Florida Located in the desirable Rio Vista subdivision on the west side of the Rainbow River, this exceptional 2-bedroom, 1.5-bathroom custom-built home offers the perfect combination of luxury, modern comfort, and lasting durability. Completed in 2023, this meticulously crafted home features high-end materials and exceptional design for an unparalleled living experience. The exterior boasts foam-filled split-faced block construction, providing superior durability and energy efficiency. The 26-gauge metal roof is designed to withstand Florida’s elements, while R-30 insulation ensures the home stays comfortable year-round. Energy-efficient Simonton windows allow natural light to fill the interior, and the home is equipped with a Carrier 16 SEER heat pump HVAC system for optimal comfort in all seasons. Inside, the home is thoughtfully designed with premium finishes throughout. The gourmet kitchen features sleek stainless steel appliances, and the open-concept living and dining areas create a spacious, inviting atmosphere, perfect for both relaxing and entertaining. The oversized shower in the primary bathroom adds a touch of luxury, offering a perfect retreat to unwind. Step outside to experience the beauty of this riverfront property. The custom-built dock, completed in 2024 with Weardeck composite decking, provides direct access to the pristine waters of the Rainbow River—ideal for swimming, kayaking, or simply relaxing by the water. The outdoor shower, equipped with hot water, offers a refreshing way to clean off after a day on the river. The porch and exterior ceilings are finished with cement fiberboard, combining sophistication and durability, while LED recessed lighting adds a modern touch throughout. The home also includes a single-car garage and a carport for extra storage, providing plenty of space for all your gear and toys. The programmable WiFi thermostat allows you to easily control the home’s temperature, ensuring comfort year-round. Plus, the porch is equipped with pet screen, making it a pet-friendly space for your furry friends to enjoy the outdoors. As a resident of the Rio Vista community, you'll enjoy exclusive access to a 4-acre park, featuring a boat ramp, picnic pavilions, and restrooms—perfect for outdoor activities and social gatherings with family and friends. This remarkable home offers a rare combination of luxurious living, riverfront access, and a vibrant community setting. Don’t miss the opportunity to own this stunning property in one of Florida’s most desirable locations!

Estimated monthly payment

Principal & interest$4,344
Property taxes$321
Home insurance (est.)$394

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history358 days on market

  1. Status: Active
    Apr 1, 2025
  2. Listed$1,200,000
    Apr 1, 2025
  3. Price reduced$859,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
358
Subdivision
Rio Vista
County
Marion
Year built
2023
Living area
1,006 sq ft
Price/sq ft
$854
Building area
1,348 sq ft (Public Records)
Lot size
31,799 sq ft
Lot category
1/2 to less than 1
Flood zone
X
Garage
1 spaces
Annual taxes
$3,849 (2024)
Parcel #
3483-001-030
Zoning
R1
MLS #
TB8365488

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Interior Details

Bedrooms
2
Full bathrooms
1
Half bathrooms
1
Flooring
Bamboo, Ceramic Tile
Appliances
Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Cathedral Ceiling(s), Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets
Laundry
Inside
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
No
Carport
Yes

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Buyer to verify all leasing regulations with Marion County

Exterior & Construction

Exterior features
French Doors, Outdoor Shower
Construction materials
Block, Stucco
Roof
Metal
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Public, Sewer Connected, Water Connected

Room Details

RoomLevelDimensions
Primary BedroomFirst
Primary BathroomFirst
Bedroom 1First
Bathroom 1First
Living RoomFirst
KitchenFirst

Listing Details

Listing date
2025-04-01
On market date
2025-04-01
Original list price
$1,200,000
Occupant type
Owner
MLS area
34432 - Dunnellon
Listing AOR
Suncoast Tampa
Status changed
2025-04-01
Tax legal description
SEC 30 TWP 16 RGE 19 PLAT BOOK K PAGE 046 RIO VISTA REPLAT BLK A LOT 30

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From US 41 head east on SW 99th Pl follow across railroad track and continue straight until road turns into SW 186th Ave, turn left on SW 185th Ter to address

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of March 25, 2026 at 1:34 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA