20811 SW 81ST LOOP, DUNNELLON, FL, 34431
Active40 days on marketListed Jun 13, 2026MLS #OM724956
About this home
20811 SW 81ST LOOP
Spacious 4-bedroom, 3-bath single-family home offering approximately 2,443 square feet of living space on a generous 1.18-acre lot. This single-story residence features an inviting split bedroom layout with high ceilings, tray ceilings, an enclosed pool for year-round enjoyment and an attached 3-garage, all complemented by durable concrete block and stucco construction. Two bedrooms have private bathroom access. The guest bathroom has an upgraded walk-in jetted tub. The oversized primary bedroom boasts a large ensuite with a jetted tub, separate shower and dual sinks, two walk-in closets and lanai access. The 3-car garage with storage and space to accommodate tools, lawn maintenance equipment, bicycles and vehicles will be enough to satisfy craftsmen, gardeners, and outside enthusiasts. Aspiring chefs will appreciate the kitchen’s extended corian countertop space, ample cabinetry, double oven, dinette in the kitchen, separate dining room for more formal affairs, as well as the outside kitchen for casual dining and food prep. The 365 sf covered lanai/outside kitchen leads to the pool area with 1400+ sf screen enclosure, outside shower, and bathroom access. The privacy of the backyard is welcoming and adorned with mature trees: Magnolia, Redbud, Drake Elm, Spruce, Cedar, Crepe Myrtle, Loquat, and others. With room to spread out both inside and out, this property offers the ideal blend of comfort, privacy, and Florida lifestyle living in a golf course community. Community amenities include private beach access to the crystal-clear Rainbow River, as well as a private clubhouse with lending library, game room, billiards, oversized pool, fitness center, tennis, pickleball, basketball courts and Cheers Restaurant. Residents enjoy a quiet, friendly neighborhood atmosphere with convenient access to shops, dining, and essential services in Dunnellon and nearby Ocala. Come see all this property has to offer. Updates: 5-ton HVAC 7/2018, Roof 1/2022. 42 Solar Panels in 11/2022 (average electric bill is $75).
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,443
Sqft
1.18 ac
Lot size
3
Garage
2000
Year built
One
Levels
$227
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.
$3,978 /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
$3,978/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
$227 vs $184
Days on market
40 vs 43 typical
Where $227/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)
191 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 1361% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20811 SW 81ST LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$350,000
9180 SW 202ND AVENUE ROAD · same community
4 bd · 3 ba · 2,476 sqft · $141/sqft · 95 DOM
Sold · Sep ’25$530,000
21655 SW 89TH STREET · same community
3 bd · 2 ba · 2,346 sqft · $226/sqft · 7 DOM
Sold · Dec ’25$450,000
21525 SW 82ND LOOP · same community
3 bd · 3.5 ba · 2,230 sqft · $202/sqft · 49 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 20811 SW 81ST LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20811 SW 81ST LOOP — 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
20811 SW 81ST LOOP FAQs
What would the monthly payment be for 20811 SW 81ST LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,978/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 20811 SW 81ST LOOP?+
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 20811 SW 81ST LOOP?+
The most recent tax bill on record (2025) was $3,416. 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 20811 SW 81ST LOOP?+
The listing reports pets: Cats OK, Dogs OK. 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 $555,000, this home is listed about 85% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$555,000 runs 1361% above the DUNNELLON 34431 median — but at 2,443 sqft it's also 46% larger than the typical Dunnellon listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $565,000, now $555,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER RIVERLAND RLTY · Gregg Hoffmaster. MLS #OM724956.
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.
Never miss a listing
New Dunnellon homes, in your inbox
Like 20811 SW 81ST LOOP but not quite? A daily digest of every new listing in Dunnellon — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →