20257 SW 97TH PLACE, DUNNELLON, FL, 34431
Active1 days on marketListed Aug 13, 2026MLS #TB8538577
About this home
20257 SW 97TH PLACE
Welcome to your private retreat in the desirable Rainbow Springs community of Dunnellon! This spacious 4-bedroom, 3-bathroom home offers 2,789 square feet of comfortable living space on a beautiful 1.45-acre lot. Soaring 20-foot ceilings and plantation shutters add to the home's open, elegant feel. Enjoy the Florida lifestyle with your own saltwater pool, featuring a new salt system, perfect for relaxing or entertaining. Inside, the home has been thoughtfully updated with a beautiful kitchen, updated bathrooms, and new flooring throughout. A cozy fireplace with an owned propane tank creates a warm gathering space, while an instant water heater provides added convenience. The home also features a 2-car garage and irrigation system. Major systems have been recently improved, including a new drain field, water softening system, 2023 roof, and 2024 A/C. The home is also wired and ready for a Generac generator to be installed, offering an excellent opportunity for added peace of mind. Located in Rainbow Springs, residents can enjoy an array of community amenities, including the private Rainbow Springs residents' park on the Rainbow River, swimming, kayaking/canoeing, picnic areas, pavilions, playgrounds, tennis and pickleball courts, and access to the community clubhouse. With its spacious 1.45-acre setting, private pool, extensive updates, desirable features, and access to the amenities of Rainbow Springs, this property offers an exceptional opportunity to enjoy the best of the Dunnellon lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,789
Sqft
1.45 ac
Lot size
2
Garage
2005
Year built
One
Levels
$212
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.
$3,631 /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
$3,631/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
$212 vs $185
Days on market
1 vs 40 typical
Where $212/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 1490% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20257 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 · 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20257 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 20257 SW 97TH PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
20257 SW 97TH PLACE FAQs
What would the monthly payment be for 20257 SW 97TH PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,631/mo — principal and interest, the actual property-tax bill, the $23/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 20257 SW 97TH PLACE?+
The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20257 SW 97TH PLACE?+
The most recent tax bill on record (2025) was $514. 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 20257 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 $590,000, this home is listed about 95% above the Dunnellon median of $303,070. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$590,000 runs 1490% above the DUNNELLON 34431 median — but at 2,789 sqft it's also 60% 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.
03Fresh on the market
Only 1 day on market in a Dunnellon market that averages 40 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ERA AMERICAN SUNCOAST REALTY · G Franklin Dixon. MLS #TB8538577.
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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