20870 SW 90TH LOOP, DUNNELLON, FL, 34431
Active117 days on marketListed Jun 17, 2026MLS #OM726845
About this home
20870 SW 90TH LOOP
Welcome home to this 3-bedroom home in Rainbow Springs, where 2,047 heated square feet, a dedicated office, and 1.47 acres create an inviting place to settle in and enjoy the Dunnellon lifestyle. Major improvements include a new roof and A/C completed in 2022, giving you valuable updates alongside a comfortable split-bedroom floor plan. Inside, high ceilings and bright living spaces create an open, welcoming feel, while the kitchen and family room combination provides an easy setting for everyday living and gathering. The main-floor primary bedroom features a walk-in closet, and the dedicated office offers useful additional space for work, hobbies, or organization. Outside, nearly 1.5 acres provide plenty of room to relax and enjoy the peaceful surroundings, while the attached 2-car garage adds everyday convenience. Rainbow Springs residents also enjoy access to the private Rainbow River Park with a swimming area, canoe and kayak launch, walking trails, and shaded pavilions. Rainbow Springs State Park, the crystal-clear Rainbow River, and downtown Dunnellon are just minutes away, making it easy to enjoy recreation and local destinations. With an annual HOA fee of $246, Flood Zone X designation, well and septic, and block and stucco construction, the property offers plenty of practical details to appreciate. If your search includes a 3-bedroom home in Rainbow Springs with acreage, a dedicated office, major updates, and convenient access to the Rainbow River lifestyle, come see 20870 SW 90th Loop.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,047
Sqft
1.47 ac
Lot size
2
Garage
2001
Year built
One
Levels
$193
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.
$3,093 /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
$3,093/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
+6.1%
$/sqft vs Dunnellon actives
$193 vs $188
Days on market
117 vs 67 typical
Where $193/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
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
169 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 874% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20870 SW 90TH 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$390,500
8873 SW 200TH CIRCLE · same community
3 bd · 2.5 ba · 1,947 sqft · $201/sqft · 30 DOM
Sold · Dec ’25$450,000
21525 SW 82ND LOOP · same community
3 bd · 3.5 ba · 2,230 sqft · $202/sqft · 49 DOM
Sold · Jul ’26$305,000
20840 SW 88TH PLACE ROAD · same community
2 bd · 2 ba · 1,805 sqft · $169/sqft · 148 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20870 SW 90TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20870 SW 90TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20870 SW 90TH LOOP FAQs
What would the monthly payment be for 20870 SW 90TH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,093/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 20870 SW 90TH LOOP?+
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 20870 SW 90TH LOOP?+
The most recent tax bill on record (2025) was $4,978. 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 20870 SW 90TH LOOP?+
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 $394,500, this home is listed about 32% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20870 SW 90TH LOOP?+
Dunnellon Middle School (middle), Dunnellon Elementary School (elementary), Dunnellon High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$394,500 runs 874% above the DUNNELLON 34431 median — but at 2,047 sqft it's also 20% larger than the typical Dunnellon listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $400,000, now $394,500 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Jenni Kennedy. MLS #OM726845.
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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