
$999,999
10801 185th Terrace
Dunnellon, FL 34432
Listing updated: April 15, 2026 at 4:36 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
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!
Estimated monthly payment
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 history241 days on market
- Status: ActiveAug 17, 2025
- Listed$1,999,999Aug 17, 2025
- Price reduced$999,999
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 241
- Cumulative DOM
- 606
- Subdivision
- Rio Vista
- County
- Marion
- Year built
- 2008
- Living area
- 520 sq ft
- Price/sq ft
- $1,923
- Building area
- 760 sq ft (Public Records)
- Lot size
- 13,939 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12083C0658D)
- Annual taxes
- $4,593 (2023)
- Parcel #
- 3483-001-010
- Zoning
- R1
- MLS #
- TB8418268
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Interior Details
- Bedrooms
- 1
- Full bathrooms
- 1
- Flooring
- Brick, Carpet
- Appliances
- Built-In Oven, Dishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Ice Maker, Indoor Grill, Microwave, Range, Refrigerator, Tankless Water Heater, Washer
- Interior features
- Cathedral Ceiling(s), Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Thermostat, Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- South
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- HOA name
- Bill Schulz
- 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 must verify leasing regulations with Marion County.
Exterior & Construction
- Exterior features
- French Doors, Outdoor Shower
- Construction materials
- HardiPlank Type, Frame
- Roof
- Metal
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Public
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | |
| Bathroom 1 | First | |
| Kitchen | First | |
| Living Room | First | |
| Dining Room | First | |
| Laundry | First |
Listing Details
- Listing date
- 2025-08-15
- On market date
- 2025-08-17
- Original list price
- $1,999,999
- Occupant type
- Vacant
- MLS area
- 34432 - Dunnellon
- Listing AOR
- Suncoast Tampa
- Status changed
- 2025-08-17
- Tax legal description
- SEC 30 TWP 16 RGE 19 PLAT BOOK K PAGE 046 RIO VISTA REPLAT BLK A LOT 10
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US 41 take SW 99th Ave east towards the river. Cross railroad tracks and stay right. Follow the curve to the right and proceed to SW 185th Terr on left to address.
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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 April 15, 2026 at 4:36 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