10801 185th Terrace, FL
Stellar MLS

$999,999

10801 185th Terrace

Dunnellon, FL 34432

Listing updated: April 15, 2026 at 4:36 PM ET

Active
1
Bed
1
Bath
520
Sq Ft
0.32
Acres
2008
Built
WaterfrontWater access$1,923/sqft360° tour
Single Family Residence

Property type

2008

Year built

13,939 sqft

Lot size

$1,923

Price / sq ft

No HOA

HOA dues

241

Days on market

AE

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

Principal & interest$5,057
Property taxes$383
Home insurance (est.)$458

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

  1. Status: Active
    Aug 17, 2025
  2. Listed$1,999,999
    Aug 17, 2025
  3. 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

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Your question is private and goes only to Ryan — it is never published on this page.

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

RoomLevelDimensions
Primary BedroomFirst
Bathroom 1First
KitchenFirst
Living RoomFirst
Dining RoomFirst
LaundryFirst

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

High riskFEMA Zone AEPanel 12083C0658D

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.

More homes like this

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 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