CENTURY 21 Edge
$139,900$170,000≈$1,073 /mo all-in ↓

12405 N RUFF POINT, DUNNELLON, FL, 34433

Active422 days on marketListed Aug 20, 2025MLS #OM707986

✦ Priced 53% below the Dunnellon median✦ Reduced $30KRANCHEROS LOMAS UNREC SUB

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

Taxes (2024)$328/yr

Utilities & systems

UtilitiesElectrical Nearby
WaterWell Required

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%

Principal & interest$824
FHA mortgage insurance (est.)$62
Property tax — 2024 actual bill$27
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,897Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $4,897
Interest rate6.00%
Loan term

Estimated payment

$1,073/mo

Principal & interest$824
FHA mortgage insurance (est.)$62
Property taxes (actual bill)$27
Est. insurance$160

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.

The numbers that matter

The Dunnellon market

Seller’s marketLeans seller — 4.2 months of inventoryBuyer’s 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 53% below the Dunnellon median. See the full Dunnellon market guide →

Paper trail

This home's history

CurrentPrice reduced to $139,900 ▼ $30K
Aug 20, 2025Listed at $170,000 · 422 days on market since

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 12405 N RUFF POINT — start here.

CallText
john@c21edge.com
Andrew Acosta

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.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from John'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.

The brief

Three things that matter here

01Under the Dunnellon market on paper

$139,900 is 53% below the Dunnellon median of $299,900.

02Time on market is leverage

422 days on market against a Dunnellon median of 67 — 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.

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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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