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List Price

$206,000

21174 Peach Blossom, Dunnellon, FL 34431

221 days on market↓ $9K from original list price

Estimated Payment

$1,907/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,252 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1985

Listed by

Christopher Dufala

SUNBELT REAL ESTATE FLORIDA

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Close in one place

Virtually Staged. ***New Septic Tank May 2026*** Discover your peaceful 3-bedroom, 2-bathroom sanctuary in desirable Rainbow Lakes Estates—free from flood worries and restrictive HOA rules. This well-maintained home features a brand-new roof (recently installed) and an upgraded, advanced septic system for worry-free living and sustainability. Enjoy generous storage with dual custom sheds, modern comfort with new ceiling fans installed in 2025, and easy living—no carpets throughout, and tile in master bathroom! Both dishwashers convey with the sale, and oversized closets provide ample space in every bedroom. Step outside to your private, lush fenced backyard and relax on the inviting screened porch—perfect for morning coffee or evening unwinding. Nestled in Rainbow Lakes Estates, you'll have community access to Tiger Lake and be just minutes from the stunning crystal-clear waters of Rainbow Springs. Launch your kayak from KP Hole, explore trails and activities at Rainbow Springs State Park, or stroll the charming downtown Dunnellon. Golf lovers will appreciate nearby Juliette Falls, while the World Equestrian Center in Ocala is only about 15 minutes away. Crystal River and the Gulf are an easy drive for boating, fishing, and beach days. This prime location blends natural beauty, recreation, and community events—offering a lifestyle that's truly savored, not just lived. Don't miss this rare opportunity!

21174 Peach Blossom, Dunnellon, FL 34431 in Dunnellon, FL 34431 is listed for $206,000. The home has 3 bedrooms, 2 bathrooms, and 1,252 square feet, and was built in 1985. Listed 221 days ago. The price was reduced from $215,000. The listing is held by SUNBELT REAL ESTATE FLORIDA.

34431 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,949 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$1,907/moest.

  • Principal & Interest 75%
  • Property Taxes 13%
  • Insurance 9%
  • USDA Fee 3%
Principal & Interest
$1,428
Property Taxesfrom listing
$246
Insurance
$172
USDA Annual Fee
$61

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$2,060

30-year fixed at 7.31%, as of September 28, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.31% for a 30-year fixed loan (Optimal Blue daily, published September 28, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $1,907, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,949 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 29, 2026 6:02 AM ET through Sep 30, 2026 6:02 AM ET. MLS# MFR782627766. HomeJam is not the listing broker.

List Price

$206,000

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