11430 N CYNTHIA TERRACE, DUNNELLON, FL, 34434
Active4 days on marketListed Oct 12, 2026MLS #O6447654
About this home
11430 N CYNTHIA TERRACE
Experience the best of Florida’s Nature Coast in this beautifully built new construction home, situated on a spacious 0.34-acre lot in Citrus Springs. Combining modern design, quality craftsmanship, and generous outdoor space, this home offers comfort and style—inside and out. The expansive backyard is a standout feature, providing plenty of room for outdoor entertaining, gardening, recreation, or creating your own outdoor retreat. Step inside to an inviting open-concept floor plan featuring luxury vinyl plank flooring throughout, elegant quartz countertops, shaker-style cabinetry, and sleek hardware and fixtures. At the heart of the home, the thoughtfully designed kitchen features stainless steel appliances, ample cabinet storage, and a large island overlooking the living and dining areas—making everyday living and entertaining feel effortless. The private primary suite offers a relaxing escape with dual vanities, a beautifully tiled walk-in shower, and stylish finishes. Additional bedrooms provide versatile space for guests, a home office, or your everyday needs. A dedicated laundry room and oversized two-car garage add convenience and functionality. Step out onto the covered lanai and enjoy the possibilities of your spacious backyard. Whether you envision weekend barbecues, a garden, outdoor games, or a comfortable seating area to unwind at the end of the day, this generous lot gives you room to bring your ideas to life. Enjoy access to some of the region’s most beloved outdoor destinations, including Rainbow Springs State Park, the Rainbow River, Three Sisters Springs, and the scenic Withlacoochee State Trail. From kayaking and paddleboarding to biking, fishing, boating, and golf, the surrounding area offers abundant ways to enjoy Florida’s natural beauty. Shopping, dining, medical facilities, and everyday essentials are also conveniently accessible, bringing together a relaxed residential setting and the conveniences of daily life. Whether you’re searching for a full-time residence, a seasonal getaway, or an investment property, this home combines stylish new construction with a standout feature: a generous 0.34-acre lot with an exceptional backyard to make your own. Some interior photos have been virtually staged to illustrate potential furniture placement and room functionality.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,627
Sqft
0.34 ac
Lot size
2026
Year built
One
Levels
$172
Per sqft
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.
$1,950 /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
$1,950/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+11%
$/sqft vs Dunnellon actives
$172 vs $184
Days on market
4 vs 67 typical
Where $172/sqft sits among the 400 Dunnellon actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34434 — neighborhood snapshot
Population
10,701
Median age
43.6
Median income
$56,553
Median home value
$211,500
Avg household
2.6
Households w/ children
1,378
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
178 of 400
Dunnellon actives have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 836% above the DUNNELLON 34434 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 11430 N CYNTHIA TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$244,990
2044 W CORRINE STREET · same community
3 bd · 2 ba · 1,552 sqft · $158/sqft · 65 DOM
Sold · Mar ’26$249,990
1700 W MAGENTA DRIVE · same community
3 bd · 2 ba · 1,552 sqft · $161/sqft · 58 DOM
Sold · Sep ’26$277,990
1831 W BLACKHAWK COURT · same community
4 bd · 2 ba · 1,806 sqft · $154/sqft · 206 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 11430 N CYNTHIA TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11430 N CYNTHIA 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
11430 N CYNTHIA TERRACE FAQs
What would the monthly payment be for 11430 N CYNTHIA TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,950/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 11430 N CYNTHIA TERRACE?+
The most recent tax bill on record (2026) was $218. 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 $280,000, this home is listed about 7% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11430 N CYNTHIA TERRACE?+
Citrus Springs Middle School (middle), Central Ridge Elementary School (elementary), Citrus High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Thaliton Alves. MLS #O6447654.
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.
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