7974 SW 181ST CIRCLE, Dunnellon, FL, 34432 | $499,000

PRIVACY ABOUNDS in this custom-built, one-owner pool home located in the highly desirable Rainbow Springs community. Situated on just over an acre, this concrete block and stucco residence offers 4 bedrooms, 2 bathrooms, and a spacious, thoughtfully designed split plan layout ideal for both everyday living and entertaining. The large eat-in kitchen opens seamlessly to the family room, creating a warm and inviting gathering space, while a formal dining room and separate living room provide additional flexibility. The spacious primary suite features double walk-in closets and a private bath, offering a comfortable retreat. Additional highlights include interior freshly painted, an inside laundry room, hurricane shutters, detached garage, and storage shed. Enjoy the benefits of eco-friendly solar power for significantly reduced electric bills, along with the peace and privacy of a generously sized homesite surrounded by abundant wildlife, including deer and turkey. Thoughtful updates include NEW ROOF 2018, NEW AC/HVAC 2019 (3 year full transferrable warranty), NEW HOT WATER HEATER 2011, Water Softner System owned, Gutter leaf guards, NEW Pool Pump and Filter, Pest Control Tube System. Rainbow Springs residents enjoy exclusive private access to the spring-fed Rainbow River, featuring a swim area, canoe, kayak, and paddle board launch, as well as a picnic area and pavilion. Community amenities also include a clubhouse, pool, restaurant, and scenic biking and walking trails. With a low $250/year HOA fee and exceptional lifestyle amenities, this property offers a rare opportunity to enjoy nature, privacy, and resort-style living in one of the area’s most sought-after communities.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Florida
  • Year Built: 2001
  • Garage: 2-car Driveway, Garage Faces Side, Ground Level, Guest, Off Street, Oversized
  • Heating: Central, Solar
  • Cooling: Central Air
  • Approx Sq. Feet: 2,604
  • Acreage: 1.03
  • Est. Taxes: $3,152
  • HOA Fee: $250 Annually
  • Lot Desc: Cleared, In County, Level, Oversized Lot
  • Pool: Deck, Gunite, In Ground, Screen Enclosure
  • Pet Policy: No
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Solar Hot Water, Solar Hot Water Owned, Washer
  • MLS#: OM719014
  • Days on Market: 34 days
  • Website: https://www.raveis.com
    /prop/OM719014/7974sw181stcircle_dunnellon_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/30/2026 3:12:02 AM)
Listing courtesy of BERKSHIRE HATHAWAY HS FLORIDA   Phone: 352-622-9700

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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7974 SW 181ST CIRCLE, Dunnellon, FL, 34432

$499,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.507% 6.649% 6.026%
Monthly Tax Payment $263 $263 $263
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,458 $2,521 $3,315
Total Monthly Payment $2,796 $2,859 $3,653

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.