20820 RIVER DRIVE UNIT B25, DUNNELLON, FL, 34431
Active3 days on marketListed Oct 13, 2026MLS #OM733838
About this home
20820 RIVER DRIVE UNIT B25
Charming 1-bedroom, 1-bath waterfront condo on the Withlacoochee River in The Landings of the Withlacoochee, right in the heart of historic Downtown Dunnellon. Enjoy peaceful river and pool views with boat slips available—perfect for keeping your boat right at the complex. No stairs and wheelchair-accessible entry make everyday living easy and comfortable. This beautifully updated unit features fresh paint, new Luxury Vinyl Planking flooring, a newly updated bathroom, and new furniture throughout—creating a move-in-ready space that feels inviting for full-time living, a seasonal retreat, or a smart investment. Superfast Wi-Fi is in place for those who need to work remotely. Located outside the flood zone, it offers peace of mind along with a relaxing waterfront lifestyle. Snowbird renters are already secured for February and March 2027, providing rental income for the new owner. Short-term rentals (one-week minimum) are allowed, giving you flexibility to offset costs during peak winter months. Best of both worlds right from the docks: head full speed down the Withlacoochee River, or turn left and idle into the crystal-clear, 72-degree year-round waters of the Rainbow River just minutes away. You’re also steps from Rainbow Springs State Park for swimming, kayaking, tubing, and hiking, plus minutes from Juliette Falls Golf Course and downtown favorites like Blue Gator, Swampy’s, Don Pepe’s, Lugos Grill, and The Station. Outstanding amenities include: Boat slips available Solar-heated pool and gas hot tub Barbecue area Extensive boat docks, fish cleaning station, and boat trailer storage Low $422 monthly HOA covers sewer, garbage, water, outdoor maintenance, building insurance, and reserves—true hassle-free ownership. Whether you’re looking for a peaceful getaway, an active outdoor lifestyle, or income-producing property, this remodeled riverfront condo delivers. Schedule your showing today and make it yours!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
480
Sqft
0.01 ac
Lot size
1986
Year built
One
Levels
$458
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.
$2,157 /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
$2,157/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
$458 vs $184
Days on market
3 vs 67 typical
Where $458/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)
179 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 450% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20820 RIVER DRIVE UNIT B25
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Jul ’26$155,000
20800 RIVER DRIVE UNIT A16 · same community
1 bd · 1 ba · 480 sqft · $323/sqft · 52 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20820 RIVER DRIVE UNIT B25 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20820 RIVER DRIVE UNIT B25 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20820 RIVER DRIVE UNIT B25 FAQs
What would the monthly payment be for 20820 RIVER DRIVE UNIT B25?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,157/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 20820 RIVER DRIVE UNIT B25?+
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 20820 RIVER DRIVE UNIT B25?+
The most recent tax bill on record (2025) was $2,200. 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 20820 RIVER DRIVE UNIT B25?+
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 $219,900, this home is listed about 27% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20820 RIVER DRIVE UNIT B25?+
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
$219,900 runs 450% above the DUNNELLON 34431 median.
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 3 days on market in a Dunnellon market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NEXT GENERATION-DUNN · Marion Renda. MLS #OM733838.
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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