11895 N BEARL TERRACE, Dunnellon, FL, 34433 | $335,000

Discover a hidden gem and your dream home all in one purchase. READ CAREFULLY so you don't miss everything this home has to offer including 2 water access lots to the Withlacoochee River. Each water access lot is 30 x 20. Classic farm style home on large . 57 acre lot beckons you to the wide porches to sit back enjoy a cup of coffee or a cocktail. Watch either the sunrise or sunset from this south facing property, both light up the sky with color. Beautifully maintained 3 bedroom, 2. 5 bath feels just right when you step in with a large comfortable living area to the left and dining to the right. Home has a bit of a formal feel with the kitchen, breakfast room, half bath, and laundry room all in the rear. All bedrooms are private with the main bedroom, large walk in closet and spacious bath on the first floor and 2 additional large bedroom upstairs with another full bath.

Take a short walk down the street to your waterfront lots, see photos for location, launch your kayak or small boat and go for a ride, fish, or relax. You can park your vehicle and trailer there while you are out enjoying yourself. Come on back home to your oasis that has solar power to reduce your power bills -system is fully paid for- new roof, propane- on demand water heater, full appliance package, even a laundry chute from upstairs. Life is easy in this home. Large half acre lot is fenced for privacy and has plenty of room for a pool, storage, workshop, RV and Boat parking all with a little elbow room. NO HOA. Located between Crystal River and Dunnellon with their historic towns and beautiful springs. Can be purchased furnished, new on/off ramp to Suncoast Parkway will be coming to the area for access to Tampa.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Chute, Laundry Room
  • Year Built: 2006
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,683
  • Acreage: 0.6
  • Est. Taxes: $2,103
  • Lot Desc: Corner Lot
  • Elem. School: Citrus Springs Elementar
  • Middle School: Crystal River Middle School
  • High School: Crystal River High School
  • Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater, Washer
  • MLS#: G5113690
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/G5113690/11895nbearlterrace_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 7/2/2026 1:17:21 PM)
Listing courtesy of GOTTUS REALTY INC.   Phone: 352-212-4010

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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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11895 N BEARL TERRACE, Dunnellon, FL, 34433

$335,000

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 $268,000 $268,000 $268,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $175 $175 $175
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,628 $1,692 $2,226
Total Monthly Payment $1,878 $1,942 $2,476

* 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.