20820 RIVER DRIVE UNIT B37, DUNNELLON, FL, 34431
Active191 days on marketListed Jan 14, 2026MLS #OM716649
About this home
20820 RIVER DRIVE UNIT B37
Let all your worries float on down the river in this 2 bedroom waterfront condo located on the Withlacoochee River! Condo boasts all new flooring, paint and appliances and comes FULLY FURNISHED. Turn key ready for the perfect weekend getaway spot or as an income producing vacation rental. Bonus features include smart home features, plantation blinds, outdoor storage closet, trailer parking, kayak storage, screened in patio, direct river access, community pool, jacuzzi and grill area. Condo association fee includes trash, water, sewer, and grounds/building maintenance. Live the Florida lifestyle on Florida's Nature Coast! Close proximity to several state parks, hiking/biking trails, lakes, rivers, fresh water springs and the Gulf of Mexico! Enjoy world class fishing, boating, swimming, kayaking, scalloping and swim with our world famous manatees! Small town living, yet only a 1.5 hour drive to both Orlando and Tampa! Close
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
730
Sqft
0.02 ac
Lot size
1986
Year built
Two
Levels
$326
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.
$1,935 /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
$1,935/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
$326 vs $186
Days on market
191 vs 43 typical
Where $326/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 → $270K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
186 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 513% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20820 RIVER DRIVE UNIT B37
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$278,350
20800 RIVER DRIVE UNIT A34 · same community
2 bd · 1.5 ba · 966 sqft · $288/sqft · 0 DOM
Sold · Feb ’26$185,400
20820 RIVER DRIVE UNIT B25 · same community
1 bd · 1 ba · 480 sqft · $386/sqft · 244 DOM
Sold · Jun ’26$194,750
20800 RIVER DRIVE UNIT A11 · same community
1 bd · 1 ba · 480 sqft · $406/sqft · 370 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 20820 RIVER DRIVE UNIT B37 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20820 RIVER DRIVE UNIT B37 — 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
20820 RIVER DRIVE UNIT B37 FAQs
What would the monthly payment be for 20820 RIVER DRIVE UNIT B37?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,935/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 20820 RIVER DRIVE UNIT B37?+
The most recent tax bill on record (2025) was $3,227. 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 20820 RIVER DRIVE UNIT B37?+
The listing reports pets: Number Limit, Size Limit, 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 $238,000, this home is listed about 21% below 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
$238,000 runs 513% above the DUNNELLON 34431 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
191 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $249,900, now $238,000 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WAVE ELITE REALTY LLC · Norman Longfellow. MLS #OM716649.
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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