20638 SW 88 PLACE ROAD, DUNNELLON, FL, 34431
Active33 days on marketListed Jul 6, 2026MLS #OM727955
About this home
20638 SW 88 PLACE ROAD
NEW CONSTRUCTION!! Luxury home with high-end finishes and exceptional craftsmanship! This impeccable new construction home offers the perfect blend of elegance, comfort, and outdoor living. Situated on a beautifully landscaped 1.05-acre lot with mature landscaping and a full irrigation system, this stunning property boasts 2,151 square feet of thoughtfully designed living space featuring 3 spacious bedrooms and 2 bathrooms. Step through the front door and immediately be captivated by the bright, open floor plan with soaring tray ceilings, luxury vinyl plank flooring, and breathtaking views of the sparkling saltwater pool. Designed for both everyday living and entertaining, the gourmet kitchen is truly the heart of the home, featuring solid wood cabinetry, gorgeous quartz countertops, a stainless steel double-oven electric range, an oversized center island with a built-in microwave drawer, and abundant workspace for the home chef. The spacious primary suite is a private retreat complete with tray ceilings, a cozy sitting area, direct access to the lanai and pool, a large walk-in closet, dual vanities, and a luxurious walk-in shower finished with floor-to-ceiling tile. The split-bedroom layout provides exceptional privacy for family and guests. The additional bedrooms are generously sized with tray ceilings, built-in closets, and plush carpeting. One guest bedroom also features private access to the lanai and pool area, making it ideal for visitors or creating the perfect indoor-outdoor guest suite. Step outside to your own backyard paradise. The expansive covered lanai overlooks the beautiful saltwater pool with a stunning waterfall feature, creating the perfect setting for relaxing afternoons or entertaining friends and family. Home has radiant barrier and reduces attic temps by up to 30 degrees! PLUS, R30 batting over living area. LOW HOA of $243/yr and the amenities include: private beach on the Rainbow River to swim or launch a kayak, community pool, clubhouse, tennis courts, walking trails, restaurant and MUCH MORE! Property is a short 15 minute drive to Dunnellon where you will find shopping, restaurants, grocery stores and medical offices.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,151
Sqft
1.05 ac
Lot size
2
Garage
2025
Year built
One
Levels
$272
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.
$3,626 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,626/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$272 vs $185
Days on market
33 vs 39 typical
Where $272/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)
170 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 1439% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20638 SW 88 PLACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$347,000
9810 SW 206 COURT · same community
3 bd · 2 ba · 1,925 sqft · $180/sqft · 65 DOM
Sold · Oct ’25$378,950
9790 SW 194TH CIRCLE · same community
3 bd · 2 ba · 1,901 sqft · $199/sqft · 67 DOM
Sold · Sep ’25$284,000
19726 SW 95TH STREET · same community
3 bd · 2 ba · 1,818 sqft · $156/sqft · 131 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 20638 SW 88 PLACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20638 SW 88 PLACE 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
20638 SW 88 PLACE ROAD FAQs
What would the monthly payment be for 20638 SW 88 PLACE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,626/mo — principal and interest, the actual property-tax bill, the $20/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 20638 SW 88 PLACE ROAD?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20638 SW 88 PLACE ROAD?+
The most recent tax bill on record (2025) was $852. 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 20638 SW 88 PLACE 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 $584,900, this home is listed about 95% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of RIVERS 2 RANCHES REAL ESTATE · Jennifer Kovach. MLS #OM727955.
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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