20698 SW 93RD LANE ROAD, DUNNELLON, FL, 34431
Active190 days on marketListed Jan 29, 2026MLS #OM717649
About this home
20698 SW 93RD LANE ROAD
Immaculately maintained home in the heart of Rainbow Springs! This charming 3 bedroom, 2.5 bath home is beautifully situated on a just over 1 acre CORNER lot. The circular drive gives ample parking and convenient ingress and egress. Inside, the high ceilings and tall windows give tons of light. The oversized kitchen was just RENOVATED in 2025 with all new QUARTZ counters and stainless steel appliances. There's tons of counter space and lots of cabinets as well. The Owner's Suite is cozy, yet large and has access to the screened in lanai area. The Owner's bath has large tub and walk in shower as well as a water closet. There is also a bedroom/office just across that is perfect for those who WORK FROM HOME. There is also a 1/2 bath that could be used by guests right next to the office. The kitchen opens up to the family room which has a lovely brick wood burning fireplace. The ROOF was replaced in 2016 and the AC is 2014. Outside, the screened in lanai is large and overlooks the beautiful backyard. There is even a fenced in dog run. A 10'x12' shed out back is great for extra storage or for lawn equipment. And for those dry seasons, there is a 7 zone irrigation system. The oversized 3 car garage has plenty of space for vehicles and a workshop. The 3rd door is on the back of the freshly painted garage and could be for a car or for a golf cart. There is a 30 AMP RV hookup and a drain for the sewer on the garage side of the home. The $250 a year HOA fee includes access to the club house and a PRIVATE BEACH on the historic RAINBOW RIVER with a picnic pavilion! Come check out this slice of heaven today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,582
Sqft
1.09 ac
Lot size
3
Garage
1996
Year built
One
Levels
$170
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 and the real association fee — not generic estimates.
$3,200 /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
$3,200/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
$170 vs $185
Days on market
190 vs 39 typical
Where $170/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)
174 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 1058% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20698 SW 93RD LANE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$500,000
21795 SW 88TH LANE ROAD · same community
3 bd · 2.5 ba · 2,503 sqft · $200/sqft · 66 DOM
Sold · Jul ’26$480,000
10043 SW 202ND CIRCLE · same community
4 bd · 3 ba · 2,387 sqft · $201/sqft · 112 DOM
Sold · Aug ’25$311,000
21389 SW 102ND STREET ROAD · same community
3 bd · 3 ba · 2,349 sqft · $132/sqft · 323 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 20698 SW 93RD LANE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20698 SW 93RD LANE ROAD — 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
20698 SW 93RD LANE ROAD FAQs
What would the monthly payment be for 20698 SW 93RD LANE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,200/mo — principal and interest, the actual property-tax bill, the $21/mo association fee 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.
How much are the HOA fees at 20698 SW 93RD LANE ROAD?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20698 SW 93RD LANE ROAD?+
The most recent tax bill on record (2025) was $2,816. 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 20698 SW 93RD LANE ROAD?+
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 $440,000, this home is listed about 47% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$440,000 runs 1058% above the DUNNELLON 34431 median — but at 2,582 sqft it's also 49% 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
190 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 $475,000, now $440,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL REALTY SOLD GUARANTEE · Scott Coldwell. MLS #OM717649.
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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