20620 SW 97TH PLACE, DUNNELLON, FL, 34431
Active47 days on marketListed Jun 16, 2026MLS #OM726759
About this home
20620 SW 97TH PLACE
Nestled at the end of a quiet cul-de-sac in desirable Rainbow Springs Woodlands. This 3-bedroom, 2-bath home offers a peaceful natural setting on a 1.24-acre lot backing up to a county-owned water retention area for added privacy. The spacious floor plan includes a den/office located just off the primary suite, providing the perfect space for a home office, reading room, or hobby area. Multiple sliding glass doors fill the home with natural light and provide seamless access to the large, screen enclosed swimming pool and lanai, creating an ideal setting for indoor-outdoor living and entertaining. Additional features include a 2-car garage, detached workshop, and circular driveway offering ample parking and convenience. Recent updates include a new roof (2022) and new vinyl windows (2025). Water heater replaced in 2017. Located in the highly sought-after Rainbow Springs community with a low HOA fee of only $250 per year, residents enjoy private access to the Rainbow River, clubhouse, community pool, tennis courts, pickleball courts, billiards room, fitness center, restaurant, and a variety of social activities and amenities. Experience the perfect blend of privacy, space, and resort-style living in one of Dunnellon's most desirable communities. ****Seller to give Buyer a $10,000 credit at Closing upon acceptable offer****
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,179
Sqft
1.24 ac
Lot size
2
Garage
1991
Year built
One
Levels
$179
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.
$2,838 /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
$2,838/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.
vs edgeAI estimate
−2.8%
$/sqft vs Dunnellon actives
$179 vs $186
Days on market
47 vs 43 typical
Where $179/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)
175 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 926% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20620 SW 97TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$355,000
21956 SW 85TH LOOP · same community
3 bd · 2 ba · 2,123 sqft · $167/sqft · 34 DOM
Sold · Mar ’26$380,000
9925 SW 203RD CIRCLE · same community
3 bd · 2 ba · 2,090 sqft · $182/sqft · 11 DOM
Sold · Jan ’26$315,000
20045 SW 88TH PLACE ROAD · same community
3 bd · 2 ba · 1,702 sqft · $185/sqft · 7 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 20620 SW 97TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20620 SW 97TH PLACE — 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
20620 SW 97TH PLACE FAQs
What would the monthly payment be for 20620 SW 97TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,838/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 20620 SW 97TH PLACE?+
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 20620 SW 97TH PLACE?+
The most recent tax bill on record (2025) was $2,257. 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 20620 SW 97TH PLACE?+
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 $390,000, this home is listed about 30% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER RIVERLAND RLTY · Tom Reilly. MLS #OM726759.
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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