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Overview

3 bd2 ba2,047 sqft2 car garageSingle Family
TypeSingle Family
HOA$246/yr
Built2001
Lot64,033 sqft
Living area2,047 sqft
Price / sqft$193
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorSplit BedroomPrivate MailboxSliding Doors

20870 SW 90th Loop is a 2001-built home in Rainbow Spgs 01 Rep, Dunnellon. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,047 square feet of living space. Listed at $394,500 (about $193/sqft), 58 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $246 annually.

From the listing

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.

The essentials

Built
2001
Price / sqft
$193
On market
114 days
Annual tax
$4,978
HOA
$246/yr
Flood zone
X · Low risk
Lot
64,033 sqft
Type
Single Family Residence

At a glance

Single family
Built 2001
2 car garage
1.47 acres
Lot size
2,047 sqft
Living area

Payment

Est. monthly payment
$2,690/mo
Down payment (20%)
$78,900
Property taxes
$415/mo
HOA
$246/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2001
Lot
64,033 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
114
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Split Bedroom
Private Mailbox
Sliding Doors
Dishwasher
Range
Refrigerator
Elementary
Dunnellon Elementary School
Middle
Dunnellon Middle School
High
Dunnellon High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,978
Parcel #
3292-065-012

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Rainbow Spgs 01 Rep
County
Marion
MLS Area
34431 - Dunnellon
Lot Size
64,033 sqft
HOA
$246/yr
Kimberly Kreig

Price history

Date
Event
Price
7/17/2026
Price change
Source: Stellar MLS #OM726845
$394,500-1.4%
$193/sqft
6/17/2026
Listed for sale
Source: Stellar MLS #OM726845
$400,000
$195/sqft

Neighborhood

20870 SW 90th Loop
Dunnellon, FL, 34431 · 34431 - Dunnellon

Market insights

Offer Insights

Choose an offer strength

List price: $394,500
$382,500 – $394,500
97.2% – 100% of listTops out right at the list price
80% of listList price
126 of the last 250 home closings in 34431 landed at this number or higher (50%). The median one sat 35 days before it went under contract, and this one is on day 114 after a $5,500 cut.

Sample: 250 closed home sales in 34431 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,690/mo
Principal & interest$2,057
Property taxes$415
Insurance$197
HOA$21
Down payment20% · $78,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$394,500

$193 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,047 sq ft

Time on market

114 days

Year built

2001

Monthly payment

About $2,690/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,978 annual tax bill, insurance, and the $246/yr HOA fee.

HOA fee

$246/yr

Managed by Kimberly Kreig.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byREAL BROKER, LLCListing agent: Jenni KennedyListing data from Stellar MLS, MLS# OM726845.

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