12405 N RUFF POINT, DUNNELLON, FL, 34433
Active347 days on marketListed Aug 20, 2025MLS #OM707986
About this home
12405 N RUFF POINT
See Realtor Remarks: **MAJOR PRICE REDUCTION** Discover the space, privacy, and flexibility you’ve been searching for with this rare 3.17-acre parcel located in the growing Dunnellon area. Tucked away on a quiet street, this oversized property offers endless possibilities to create the lifestyle you’ve been dreaming about. Whether you envision a custom home, mobile home, detached garage, workshop, RV setup, outdoor entertaining space, or simply room to spread out and enjoy nature, this property gives you the freedom to make it happen. Unlike smaller neighboring lots, this is one large continuous parcel with more usable land, added privacy, and plenty of room for future plans. Conveniently located near shopping, dining, outdoor recreation, Rainbow River, Crystal River, and an easy commute to Ocala and surrounding areas. Opportunities like this are becoming harder to find in Citrus County—especially properties that offer this much room without sacrificing location. Don’t settle for less land than you really want—come walk this property and see the difference for yourself.
Facts & features
The home at a glance
3.17 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.
$1,073 /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
$1,073/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 34433 — neighborhood snapshot
Population
8,218
Median age
45.8
Median income
$70,024
Median home value
$217,100
Avg household
2.63
Households w/ children
696
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 → $270K
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 303% above the DUNNELLON 34433 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12405 N RUFF POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$85,000
11971 N CAMPWEST DRIVE
2 bd · 1.5 ba · 784 sqft · $108/sqft · 4 DOM
Sold · Aug ’25$178,585
23065 SW 119TH PLACE
3 bd · 2 ba · 960 sqft · $186/sqft · 37 DOM
Sold · Jul ’26$127,500
22830 SW 118TH PLACE
3 bd · 2 ba · 1,104 sqft · $115/sqft · 121 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 12405 N RUFF POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12405 N RUFF POINT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12405 N RUFF POINT FAQs
What would the monthly payment be for 12405 N RUFF POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,073/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 12405 N RUFF POINT?+
The most recent tax bill on record (2024) was $328. 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 $139,900, this home is listed about 53% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12405 N RUFF POINT?+
Citrus Springs Elementary School (elementary), Citrus Springs Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$139,900 runs 303% above the DUNNELLON 34433 median.
02Time on market is leverage
347 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $170,000, now $139,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM707986.
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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