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Rihanna Dropped Over Half a Mil ... On Desert Palace Rental for SB LVII!!!

Rihanna tends to live in luxury wherever she goes -- and her week in Arizona preparing for the Super Bowl was no different, 'cause she spared no expense for her desert hideout.

Sources with direct knowledge tell TMZ ... RiRi was renting a home about 30 miles from the stadium where SB LVII went down ... in the town of Paradise Valley -- and, we gotta say, it's a fitting name when ya see this place!!!

The price tag is a real eye-popper -- we're told she spent $85,000/night to stay here, and booked it for 6 nights ahead of the game ... so, about $510K more or less.

As for the crib where the multi-billionaire and her fam hunkered down ... well, it's a beaut. The house has 5 bedrooms and 5 bathrooms over a sprawling 6,434 square feet.

It's a one-story pad, but it feels palatial when you take a peek inside.

For starters, there are 2 living rooms, as well as an open kitchen and accompanying walk-in wine cellar. There's also a private gym nook, and a separate office as well ... lots of room to spread out.

There's even more to marvel at outside -- in addition to the gorgeous courtyard seen out front, the backyard has extra perks ... like a huge pool with built-in waterfall, a pickle ball court, a bar area, big ol' barbecue grill, a freaking putting green and a bocce ball court!

Definitely a rental fit for a king or, in this case, a queen. Nothing less for Ri.

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