11328 N CATHY TERRACE, DUNNELLON, FL, 34434
Active148 days on marketListed Mar 18, 2026MLS #O6391880
About this home
11328 N CATHY TERRACE
Unique Opportunity in Citrus Springs – Ideal Lot for Cyclists and Nature Enthusiasts! Exclusive Highlight:If you’re passionate about cycling or outdoor activities, this is the property you’ve been waiting for! Located near the bike lane and with easy access to the Withlacoochee-Dunnellon Trail, one of the most renowned cycling trails in the region, this lot offers the perfect setting for those who value an active lifestyle in harmony with nature.Property Description:This 0.24-acre lot, nestled in the peaceful community of Citrus Springs, presents an exceptional opportunity to build your dream home in a location with convenient access to major highways and a rich recreational infrastructure. With no HOA fees and R1 zoning, you have complete freedom to develop your property without restrictions.Key Features:R1 Zoning: Ideal for building a single-family home. No HOA Fees: Enjoy full freedom to develop your property without additional costs or restrictive rules.Perfect for Cyclists and Nature Lovers: Proximity to the bike lane and the Withlacoochee-Dunnellon Trail, a 46-mile long trail, ensures easy access to one of Florida’s top cycling and hiking routes.Location Advantages:Quick Access to Major Highways: Just minutes from US-41 and FL-40, providing easy travel to Tampa, Orlando, and other nearby cities. Natural Attractions: Only 1 hour from the Gulf of Mexico beaches and 20 minutes from the beautiful Rainbow Springs State Park, a true natural paradise for outdoor activities.Investment Potential: With strong appreciation potential, this lot offers the perfect combination of tranquility and proximity to various recreational and urban amenities. Whether you’re looking to build your dream home or make a smart investment, this property is an excellent opportunity.
Facts & features
The home at a glance
0.24 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.
$304 /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
$304/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 →
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 → $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 34% below the DUNNELLON 34434 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 11328 N CATHY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$235,000
11001 N HARRIET WAY · same community
3 bd · 2 ba · 1,343 sqft · $175/sqft · 223 DOM
Sold · Dec ’25$330,000
1405 W ADELE COURT · same community
3 bd · 2 ba · 1,352 sqft · $244/sqft · 43 DOM
Sold · Feb ’26$234,900
10763 N DIDISCUS DRIVE · same community
3 bd · 2 ba · 1,399 sqft · $168/sqft · 108 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11328 N CATHY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11328 N CATHY TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
11328 N CATHY TERRACE FAQs
What would the monthly payment be for 11328 N CATHY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $304/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 11328 N CATHY TERRACE?+
The most recent tax bill on record (2025) was $236. 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 $19,700, this home is listed about 94% below the Dunnellon median of $304,990. The market section on this page shows how the area is trending.
Which schools are assigned to 11328 N CATHY TERRACE?+
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
01Under the DUNNELLON 34434 market on paper
$19,700 is 34% below the DUNNELLON 34434 median of $30,000.
02Time on market is leverage
148 days on market against a Dunnellon median of 40 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $19,900, now $19,700 — a $200 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of I LOVE ORLANDO REALTY INC · Adriano Almeida LLC. MLS #O6391880.
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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