Home on 0.48 acres near Dunnellon, Citrus County
Public road frontage on N Water Way; partly in flood zone AE (13%).
12505 N Water Way, Dunnellon, FL 34433 · Parcel 18E16S350010 5880
County roll Jan 1, 2026 · Map data Nov 1, 2026
- WorthJust value $313,430 (2026 roll) · land nearby $33k per lot median, 7 salesCitrus County tax roll, 2026 roll · land sales Dec 2023–Aug 2026
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- BuildZoning CLR MH allows single-family homesCitrus County zoning map, read Oct 2026
- FloodPartly in flood zone AE (13%)FEMA flood map, Sep 2026
- SewerSoils very limited for septic; a septic system on recordUSDA soil survey (SSURGO) · Nov 2026
- Home2,572 sq ft · built 1981
- Acres0.48
- Land typeHomeSingle-family home
- ZoningCLR MHCoastal and Lakes residential (mobile homes allowed)
- Future land useCLLow Intensity Coastal and Lakes
- Flood zoneAE on 13% of the lotThe 0.2%-annual-chance zone on 9%, and zone X on the rest
- WetlandsNone mappedNational Wetlands Inventory
Free account: 25 parcel cards a day on the map, with watches and a saved search
Comps and value
$33k per lot
Property tax
Florida Department of Revenue tax roll and millage rates (Data Book), as of Nov 2025
- Property tax (2025)
- At least $4,520Taxable value $317,440 on the 2025 roll
Pay or check a bill at the Citrus County Tax Collector.
Value history
| Year | Land | Improvements | Just value | Change |
|---|---|---|---|---|
| 2026 | $56,070 | $257,360 | $313,430 | -1.3% |
| 2025 | $57,800 | $259,640 | $317,440 | -3.5% |
Roll values set for property tax · Florida Department of Revenue tax roll (NAL) · 2026
Home values in ZIP 34433 rose about 69% over 5 years and 4% in the last year (FHFA, 2025).
Vacant land prices nearby
$33k per lot
Median of 7 sales of waterfront vacant lots in Citrus County, within 10 mi, Dec 2023–Aug 2026
Sales area: Citrus County
| Land type | Median | Middle half |
|---|---|---|
| Waterfront vacant lots in Citrus County, within 10 mi | $33k/lot | $27k–$35k |
In Citrus County, Operator shows tax-deed sales on the parcel when there are any, each dated, with its source. What owner signals are →
Can I build?
Zoning CLR MH allows single-family homes
- City limitsUnincorporated Citrus County: county zoning and permits applyCitrus County zoning map · Oct 2026
- Allowed usesSingle-family homes, mobile homes (existing subdivisions)Citrus County land development code, LDC 2403; 2200; 2300 · Sep 2026
- Manufactured or mobile homeManufactured homes allowed in CLR MH (LDC 2500.A)Citrus County LDC, read Nov 2026
- WaterPublic (Sl-03996)FL DOH Water Management Inventory
- Nearest fire stationMarion County Fire Rescue Dunnellon Station 3, 0.3 miUSGS National Structures Dataset · Oct 2026 · straight line
- Nearest emergency roomHCA Florida Citrus Hospital, 17 miCMS Care Compare hospital list · Jul 2026 · straight line
- Nearest public schoolsDunnellon Elementary, 3.5 mi · Dunnellon Middle, 0.4 mi · Dunnellon High, 3.6 miNCES EDGE 2024-25 · straight line
- Land value per acre$117k an acreLand value $56.1k over 0.48 acres, buildings not counted · 2026 roll
School district
Public federal records, each with its source and date.
- School districtCitrus County School DistrictGrades pre-K–12 · NCES EDGE school district boundaries, school year 2024–25 (Census TIGER 2025 lines), released Mar 2026
District details at NCES: Citrus County School District
Road access
- Has road accessOpenStreetMap roads
- Road frontage
- On N Water WayThe length is not shown
Home facts
Florida Department of Revenue tax roll · 2026
- Building type
- Single-family
- Bedrooms and bathrooms
- Not on Florida's statewide tax roll
- Living area
- 2,572 sq ft
- Year built
- 1981
Federal disaster declarations
Federal disaster declarations in Citrus County since 2000: 34 (most recently Hurricane Isaias, October 2026).
- 20 hurricanes
- 6 tropical storms
- 4 severe storms
- 2 biological emergencies (COVID-19)
- 1 fire
- 1 freeze
Risks
Partly in flood zone AE (13%) · Septic: very limited
- SoilsAdamsville fine sand, 0 to 2 percent slopesUSDA soil survey (SSURGO) · Nov 2026
- Ground elevationAbout 26–36 ft above sea levelUSGS 3DEP 1/3 arc-second (about 10 m), NAVD88; about ±1–2 ft · Nov 2026
- Evacuation zoneZone EFDEM Know Your Zone evacuation zones · Sep 2026
- Storm surge zoneCategory 5 storm surge zoneFDEM storm surge zones (SRES) · May 2022
- Design wind speed132 mphNIST WindMaps ASCE 7-22 Risk Category II (FBC 2023) via Palm Beach County GIS · Dec 2023
Soil for septic and building
Soils here are rated very limited for a septic drain field. They rate somewhat limited for a house without a basement and very limited for one with a basement. The main soil shrinks and swells little as it wets and dries.
- Septic drain fieldVery limitedLimits: depth to saturated zone, seepage, bottom layer, filtering capacity
- House, no basementSomewhat limitedLimit: depth to saturated zone
- House with basementVery limitedLimit: depth to saturated zone
- Shrink-swellLowLinear extensibility about 0.0% at 10 to 39 in. deep
A soil-survey screening of the parcel's main soil, not a perc test. A septic permit needs the local health department's site evaluation, and a foundation design needs a soil test on the lot.
Hazards
FEMA National Risk Index for this census tract, not this parcel. As of Dec 2025.
- Hurricane
- Very high
- Lightning
- Relatively high
- Tornado
- Relatively moderate
- Strong wind
- Relatively low
- Heat wave
- Relatively low
- Coastal flooding
- Very low
- Earthquake
- Very low
- Landslide
- Very low
Recorded flood claims
OpenFEMA NFIP Redacted Claims v3, as of Sep 2026
- Claims since 1978
- 13Insured buildings in this census tract
- Outside the mapped flood zone
- Almost allRated zone X, B or C
Owner and signals
Section, township, range, Parcel number and 3 more
- Section, township, rangeSection 35, Township 16 South, Range 18 East, Tallahassee MeridianBLM PLSS (CadNSDI), at the parcel's center · Oct 2026
Legal description and record
- Parcel number18E16S350010 5880Citrus County parcel map's form · state roll: 18E16S3500105880
- Legal descriptionTOWN OF DUNNELLON PB 1 PG 23 LFlorida DOR tax roll · 2026 roll · the roll keeps 30 characters; the deed has it all
- PlatPlat book 1, page 23From the legal
- Lot dimensionsAbout 100 × 212 ft · about 21,070 sq ftCounty parcel map outline · Nov 2026
Nearby
Highways: US 41 is 587 ft away and SR 589 Toll exit 70 is 11.4 mi away
- HighwaysUS 41 is 587 ft away and SR 589 Toll exit 70 is 11.4 mi awayOpenStreetMap roads · Nov 2026 · straight line
- USDA home loan areaInside an eligible areaUSDA Rural Development map, edited Jul 2023
- Electric service areaLikely Duke Energy Florida, LLCFederal HIFLD map, 2025 copy
- Home electricity priceDuke Energy Florida, LLC: about 18.4 cents per kWhWhat Duke Energy Florida, LLC's home customers paid on average in 2025, fixed monthly and fuel charges included (home revenue divided by kWh sold). U.S. Energy Information Administration, Form 861, 2025
- Public land nearbyDunnellon Open Space, 0.6 miOther state land, open to the public. 111 acres. USGS protected areas map (PAD-US 4.1)
Development nearby
About 27 acres within a mile turned from farmland, forest or other open land into developed land in 2020–2025 (more than most of Marion County).
- 2020–2025
- About 27 acresWithin a mile, open land turned developed
- 2015–2025
- About 32 acresThe same, over 10 years
- Typical in Marion County
- About 6 acresThe middle of the county's land, 2020–2025
Nearby
Neighborhood (Census)
Census ACS 2020–2024 5-year, as of Jan 2026
- Median household income
- $49,013± $12,188 · census tract (block group sample too small)
- Median home value (owner-reported)
- $239,500± $26,908
- Median rent (gross)
- $1,125± $467
- Homes lived in by their owners
- 72%± 12 pts
- Median year homes were built
- 1980± 7 yr
- Average commute (one way)
- 31 min± 12 min · census tract (not published for block groups)
- Population
- 1,434± 399
Figures for the census block group around this parcel (a few hundred homes), not this property. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.
Nearby homes
12499 N Water Way and 5 more
- 12499 N Water WayHome, 0.03 acresunder 0.1 mi
- 12515 N Water WayHome, 0.52 acresunder 0.1 mi
- 12497 N Water WayHome, 0.02 acresunder 0.1 mi
- 12495 N Water WayHome, 0.02 acresunder 0.1 mi
- 12493 N Water WayHome, 0.02 acresunder 0.1 mi
- 12491 N Water WayHome, 0.02 acresunder 0.1 mi
Sources & methodSources, dates and how the estimates are tested
Comps and value
A minimum: the county-wide and city rates the state publishes times the roll's taxable value. The bill also carries the levies this figure leaves out; the county's bill is the official figure. Excludes levies on part of the county (fire, library and other special districts, unincorporated-area MSTUs) and non-ad valorem assessments.
Comps and value · Due dates
Florida 2026 taxes: 4% discount if paid in November; due by March 31, 2027.
Sources: Florida Statutes 197.162, 197.333, 197.222 and 194.011. Checked Oct 13, 2026.
Value history
This tracks home values, not land values. Land buyers read it as a sign of demand nearby: where homes gain value, builders and buyers follow. A vacant lot can move differently.
How: the change in FHFA's annual five-digit ZIP code index from 2020 and 2024 to 2025, rounded. The index follows repeat sales and refinance appraisals of the same single-family homes with Fannie Mae or Freddie Mac mortgages. It is in today's dollars, not adjusted for inflation, and FHFA calls these local indexes developmental. Where FHFA's sample is too small it publishes no figure, and none prints here.
Source: FHFA House Price Index, all-transactions, annual five-digit ZIP code index, 2025, last updated March 31, 2026. Method: Bogin, Doerner and Larson, “Local House Price Dynamics: New Indices and Stylized Facts”, FHFA Working Paper 16-01.
Federal disaster declarations
Each federal declaration whose designated areas include the county, declared from January 2000 on, counted once by its FEMA disaster number. An emergency declaration and a major-disaster declaration for the same storm are two declarations, as FEMA numbers them. Declarations for tribal lands alone are not counted. The date shown is when the most recent incident began. Types are FEMA's incident types: an evacuation emergency for a storm elsewhere (Hurricane Katrina, 2005) counts under that storm. By kind: 16 major disasters, 17 emergencies and 1 fire-management declaration.
Source: FEMA, OpenFEMA Dataset: Disaster Declarations Summaries - v2, as of October 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data.
Risks
Source: USDA NRCS soil survey (SSURGO), survey area FL017, version Aug 2026, read through NRCS Soil Data Access.
The parcel's soil map unit: Adamsville fine sand, 0 to 2 percent slopes. Its main component is Adamsville (95% of the unit).
The ratings are NRCS's own map-unit interpretations (dominant condition): ENG - Septic Tank Absorption Fields, ENG - Dwellings W/O Basements and ENG - Dwellings With Basements. The limits listed are the features NRCS names for the main component. Shrink-swell is that component's linear extensibility, depth-weighted from 25 to 100 cm, the layer NRCS's homesite rule reads; NRCS classes: low under 3%, moderate 3 to 6%, high 6 to 9%, very high 9% or more.
A screening, not a perc test or a soil boring: soils vary inside a map unit (survey scale about 1:12,000 to 1:24,000), and fill or grading may have changed the lot.
Risks
Ratings come from FEMA's National Risk Index (v1.20, planning-level) and the public federal and state maps named on each row, not a private climate model. FEMA rates each census tract from expected annual losses, community resilience and social vulnerability, for planning; it is not an assessment of this parcel.
Risks
Insured buildings near this parcel, not the parcel itself. FEMA counts claims on buildings with NFIP flood insurance, so land that never had an insured building has no claims to count. The count is the parcel's census block group when it has 10 or more, else its tract's; a count under 10 prints as "Fewer than 10". Source: OpenFEMA NFIP Redacted Claims v3.
Nearby
Counted from USGS Annual NLCD land cover (USGS Annual NLCD Collection 1.2, 30 m maps made from Landsat imagery, 2015, 2020 and 2025; public domain, DOI 10.5066/P94UXNTS). A 30 m square counts when it was forest, shrub, grassland, pasture, cropland or wetland in the start year and developed in 2025: NLCD's developed classes, from lawns, parks and roads to dense buildings. The squares are summed over the land within about a mile of this parcel's center on a 240 m grid, so the figures are rounded. "Most of the county" compares the same one-mile figure across the county's land. A satellite land-cover map misses some changes and mislabels a few, so read it as a guide to how fast the area is building out, not a survey. As of 2025 land cover.
Nearby
± is the Census 90% margin of error; a figure comes from the larger census tract when the block group's sample is too small.
At a glance: each fact's source and date
Each figure in the grid above, where it comes from and the date of the file or map we read.
Acres: Citrus County tax roll (Florida Department of Revenue), 2026 roll.
Land type: Citrus County tax roll (Florida Department of Revenue), 2026 roll.
Zoning: Citrus County zoning map, read Oct 8, 2026.
Future land use: Citrus County land-use map, read Oct 8, 2026.
Flood zone: FEMA flood map, as of Sep 2026.
Wetlands: USFWS National Wetlands Inventory, as of Sep 2026.
Just value (county): Citrus County tax roll (Florida Department of Revenue), 2026 roll.
How each fact is measured
Soils: Soils rate very limited for septic.
Nearest fire station: USGS National Structures Dataset, fire and EMS stations, Oct 2026.
Nearest fire station: Straight line, not road miles. Insurers' fire protection class (ISO) counts road miles to a responding station, often 5 or fewer. A station missing from the federal list would be closer.
Nearest emergency room: CMS Care Compare hospital list (hospitals that report an emergency department), located by the U.S. Census Bureau geocoder, the USGS building or the county parcel record, Jul 2026.
Nearest emergency room: Straight line, not road miles or drive time. Names are the hospital's Medicare listing or its building name on the USGS map. Veterans', military, children's and psychiatric hospitals are not counted.
Nearest public schools: Straight line from the parcel's map point, not road miles. The nearest school is not necessarily the one a home here is zoned for. The school district sets attendance zones, so check with the district. Regular public schools only; charter, online and alternative schools are not counted.
USDA home loan area: Household income limits also apply.
Electric service area: An approximate map: confirm with the utility.
Home electricity price: Your bill depends on your use and rate plan.
Public land nearby: Being nearby does not give access or hunting rights.
School district: A district, not an assigned school.
0.48-acre improved parcel in Dunnellon, Citrus County: zoned CLR MH, 13% in FEMA zone AE, no mapped wetlands; waterfront vacant lots in Citrus County, within 10 mi, sold for a median of $33k per lot (7 sales, Dec 2023–Aug 2026). Map data as of Nov 1, 2026.
Land prices
Latest arm's-length sale per vacant parcel (lots under ¾ acre, priced per lot), last three years.
Record and sources
- Public county records: the tax roll, GIS zoning and land use, FEMA flood zones and USFWS wetlands. Map data as of Nov 1, 2026.
- County property search →
- The outline and its edge lengths are measured on the county parcel map the map draws; the aerial loads from the public imagery named under it.
- Public records can be wrong; check before you act.
- Parcel: 18E16S350010 5880
- Coordinates: 29.0466° N, 82.4664° W
- Estimates for your own analysis, not an appraisal or a broker price opinion.
Owners
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