20800 RIVER DRIVE UNIT A31, DUNNELLON, FL, 34431
Active103 days on marketListed Apr 12, 2026MLS #OM721935
About this home
20800 RIVER DRIVE UNIT A31
Experience the ultimate waterfront lifestyle at this fully furnished two-bedroom, 830 sf WATERFRONT condo, nestled along the scenic Withlacoochee River—just a short paddle to the Rainbow River. This desirable corner unit boasts an extra window for abundant natural light, a spacious loft, beautiful real wood floors, and a screened patio with panoramic river views, creating the perfect private retreat. Recent Upgrades Include: Brand new 1.5-ton Carrier air conditioning system with a 10-year warranty for reliable, efficient comfort year-round. New combo washer and dryer for added convenience and modern living. New walk-in shower, offering a fresh, spa-like bathroom experience. FEATURES: High-quality real wood flooring throughout the main living areas and bedroom, adding warmth and timeless elegance. Screened Patio with panoramic Riverview: Relax and enjoy stunning views of the Withlacoochee River, pool, and spa from your private screened patio. Corner Unit: Extra window provides plenty of natural light and an open, airy feel. Fully Furnished: Move-in ready with all furnishings included for an effortless transition. Community Amenities: Boat Slips and Docks: Extensive docks with over 300 feet of riverfront access, perfect for fishing, boating, or kayaking adventures. Fish Washing Station for easy clean-up after a day on the water. Barbecue Grills ideal for casual cookouts with friends and family. Solar Heated Inground Swimming Pool and Built-in Hot Tub surrounded by majestic oaks and cypress trees—perfect for relaxation. Investment Opportunity: While currently enjoyed as a private retreat by the owner, this condo has been successfully rented in the past and offers attractive income-producing potential with low HOA fees. Don’t miss this rare chance to own a piece of paradise on the Withlacoochee River!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
730
Sqft
0.02 ac
Lot size
1985
Year built
Two
Levels
$332
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.
$2,391 /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
$2,391/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
$332 vs $186
Days on market
103 vs 43 typical
Where $332/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)
186 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 525% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20800 RIVER DRIVE UNIT A31
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$278,350
20800 RIVER DRIVE UNIT A34 · same community
2 bd · 1.5 ba · 966 sqft · $288/sqft · 0 DOM
Sold · Feb ’26$185,400
20820 RIVER DRIVE UNIT B25 · same community
1 bd · 1 ba · 480 sqft · $386/sqft · 244 DOM
Sold · Jun ’26$194,750
20800 RIVER DRIVE UNIT A11 · same community
1 bd · 1 ba · 480 sqft · $406/sqft · 370 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20800 RIVER DRIVE UNIT A31 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20800 RIVER DRIVE UNIT A31 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
20800 RIVER DRIVE UNIT A31 FAQs
What would the monthly payment be for 20800 RIVER DRIVE UNIT A31?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,391/mo — principal and interest, the actual property-tax bill, the $422/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 20800 RIVER DRIVE UNIT A31?+
The association fee works out to $422 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20800 RIVER DRIVE UNIT A31?+
The most recent tax bill on record (2025) was $3,294. 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 20800 RIVER DRIVE UNIT A31?+
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 $242,500, this home is listed about 19% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$242,500 runs 525% above the DUNNELLON 34431 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
103 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $259,900, now $242,500 — a $17K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NEXT GENERATION-DUNN · Marion Renda. MLS #OM721935.
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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