20811 SW 81ST LOOP, DUNNELLON, FL, 34431
Active5 days on marketListed Jul 31, 2026MLS #OM729562
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 en-suite with a jetted tub, separates the 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. Please note: property is also listed for sale and may be viewed at MLS #OM724956.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,443
Sqft
1.18 ac
Lot size
3
Garage
2000
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$211 /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
$211/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $185
Days on market
5 vs 39 typical
Where $3/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)
178 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 82% below 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 · Jun ’26$300,000
8130 SW 215TH TERRACE
3 bd · 2 ba · 2,427 sqft · $124/sqft · 190 DOM
Sold · Oct ’25$350,000
9180 SW 202ND AVENUE ROAD
4 bd · 3 ba · 2,476 sqft · $141/sqft · 95 DOM
Sold · Sep ’25$500,000
21795 SW 88TH LANE ROAD
3 bd · 2.5 ba · 2,503 sqft · $200/sqft · 66 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
Carlos Torres
REALTOR® · 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 Carlos'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 $211/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 20811 SW 81ST LOOP?+
The listing reports pets: No. 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 $7,000, this home is listed about 98% below the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the DUNNELLON 34431 market on paper
$7,000 is 82% below the DUNNELLON 34431 median of $38,250, and at $3/sqft it sits under the Dunnellon average of $212.
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 5 days on market in a Dunnellon market that averages 39 — if it fits, move quickly.
Listing courtesy of COLDWELL BANKER ELLISON REALTY O. MLS #OM729562.
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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