20990 W PENNSYLVANIA AVENUE, DUNNELLON, FL, 34431
Active251 days on marketListed Dec 2, 2025MLS #OM714343
About this home
20990 W PENNSYLVANIA AVENUE
Charming 1948 Triple Cottage Compound in Historic Dunnellon. If you've been searching for that perfect Old Florida investment or family retreat, these delightful trio of 1948 cottages with metal roofs & screened front porches for rocking chairs to view the generous half-acre+/-. is ready for you. The cottages are perfectly positioned half a mile from the Withlacoochee River boat ramp & 1 mile from the Dunnellon Rainbow River park and 5 minutes from Blue Run Park trail with walking & biking trails connecting all the way to Tampa. All three cottages have metal roofs, front screened porches, split rail fencing, updated kitchens, washer/dryer hookups. Cottages #1 & 3 are both 600sqft under air, 738 total under roof with 1 bedroom & 1-bathroom, with custom barn door to bedrooms. Cottage #2 offers 968 sqft under air, 1168sqft total under roof, includes 2 bedrooms, 2 full bathrooms, with a bonus room. Cottage #2 shows as a duplex on county property appraisers' site and could possibly be retrofitted back to a duplex. There is a 480 sq ft exterior building for storage. All three cottages have tenants, leases available for review for serious buyers. The homes are convenient to antique shops, art gallery, restaurants, shopping & more. Ocala/World Equestrians Center are within 30 minute; Tampa & Orlando are accessible within 2 hours. Come own a piece of Real Florida In Historic Dunnellon. All 3 Cottages have their own address Cottage#1 20997 RIVER DR DUNNELLON Cottage #2 20994 W PENNSYLVANIA AVE DUNNELLON Cottage#3 20990 W PENNSYLVANIA AVE DUNNELLON
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,081
Sqft
0.57 ac
Lot size
1948
Year built
One
Levels
$192
Per sqft
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.
$2,938 /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
$2,938/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Dunnellon actives
$192 vs $183
Days on market
251 vs 39 typical
Where $192/sqft sits among the 400 Dunnellon actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34431 — neighborhood snapshot
Population
8,663
Median age
55.4
Median income
$51,542
Median home value
$185,200
Avg household
2.2
Households w/ children
570
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
166 of 400
Dunnellon actives have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 950% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20990 W PENNSYLVANIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$322,500
9450 SW 208TH CIRCLE · same community
3 bd · 2 ba · 1,602 sqft · $201/sqft · 3 DOM
Sold · May ’26$310,000
11838 N PROVIDENCE WAY
4 bd · 3 ba · 2,033 sqft · $152/sqft · 72 DOM
Sold · Apr ’26$190,000
11603 OSAGE ROAD
4 bd · 3 ba · 2,216 sqft · $86/sqft · 18 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20990 W PENNSYLVANIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20990 W PENNSYLVANIA AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
20990 W PENNSYLVANIA AVENUE FAQs
What would the monthly payment be for 20990 W PENNSYLVANIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,938/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 20990 W PENNSYLVANIA AVENUE?+
The most recent tax bill on record (2025) was $3,035. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 20990 W PENNSYLVANIA AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dunnellon?+
At $399,000, this home is listed about 33% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$399,000 runs 950% above the DUNNELLON 34431 median — but at 2,081 sqft it's also 20% larger than the typical Dunnellon listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
251 days on market against a Dunnellon median of 39 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $435,000, now $399,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRICKS & MORTAR REAL ESTATE · Valerie Hanchar. MLS #OM714343.
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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