SW 134 TERRACE, DUNNELLON, FL, 34431
Active415 days on marketListed Jun 23, 2025MLS #GC531538
About this home
SW 134 TERRACE
Nestled on a paved road in the desirable Rainbow Lakes community, this high-and-dry .25-acre lot offers the perfect opportunity to build your custom home with no HOA restrictions. Bring your own builder and enjoy the freedom of a homes-only neighborhood—no mobile homes allowed. Located just 45 minutes from the Gulf, you'll enjoy peaceful, country living with easy access to coastal adventures.
Facts & features
The home at a glance
0.25 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$256 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$256/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34431 — neighborhood snapshot
Population
8,663
Median age
55.4
Median income
$51,542
Median home value
$185,200
Avg household
2.2
Households w/ children
570
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% below the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near SW 134 TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$390,000
13251 SE 120TH STREET
3 bd · 3 ba · 936 sqft · $417/sqft · 116 DOM
Sold · Dec ’25$207,000
367 SW ALVAREZ ROAD
3 bd · 2 ba · 1,003 sqft · $206/sqft · 20 DOM
Sold · May ’26$200,000
284 SW COMMODORE ROAD
3 bd · 2 ba · 1,003 sqft · $199/sqft · 164 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about SW 134 TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SW 134 TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
SW 134 TERRACE FAQs
What would the monthly payment be for SW 134 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $256/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on SW 134 TERRACE?+
The most recent tax bill on record (2024) was $163. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunnellon?+
At $13,000, this home is listed about 96% below the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the DUNNELLON 34431 market on paper
$13,000 is 66% below the DUNNELLON 34431 median of $37,925.
02Time on market is leverage
415 days on market against a Dunnellon median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $19,000, now $13,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP- TIOGA · Kristi Crane. MLS #GC531538.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Dunnellon homes, in your inbox
Like SW 134 TERRACE but not quite? A daily digest of every new listing in Dunnellon — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →