20949 SW 81ST LOOP, Dunnellon, FL, 34431 | $350,900

Charming country home full of character and curb appeal, perfectly situated on a spacious 1. 14-acre corner lot in the desirable Rainbow Springs Woodlands community. This split-level home features a 2-car garage on the lower level and a thoughtfully designed 3-bedroom, 2-bath split floor plan above. Step inside to a warm and inviting living room highlighted by a real wood-burning fireplace—perfect for cozy evenings. The home has been extensively updated over the years, blending classic charm with modern convenience. Recent improvements include Low-E thermal pane windows, new laminate flooring throughout, and beautifully updated maple kitchen cabinets paired with stainless steel appliances, including a brand-new refrigerator (2025). Additional upgrades provide peace of mind and added value, such as a new roof (March 2026), new well pump (2024), insulated garage door, gutters, and a whole-house water filtration and softener system. The home has also been freshly painted inside and out, including the master suite, main living areas, and exterior (2025), along with updates to the front deck and wood fencing. Outside, enjoy the expansive yard featuring 14 newly planted azalea bushes (2025), a storage shed, and a freshly redone asphalt driveway (2026). High-speed internet is available, making this home as practical as it is picturesque. Residents of Rainbow Springs Woodlands enjoy a low annual HOA fee and exclusive access to the pristine Rainbow River through a private park and pavilion, along with a community center and restaurant. Conveniently located just minutes from downtown Dunnellon, this move-in-ready home truly checks all the boxes for comfort, style, and location.

Features

  • Amenities: Clubhouse, Fence Restrictions, Fitness Center, Golf Course, Pool, Tennis Court(s)
  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 171 x 290
  • Laundry: Inside, Laundry Room
  • Year Built: 1978
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Side, Under Building
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,298
  • Acreage: 1.14
  • Lot Size: 171 x 290
  • Est. Taxes: $4,992
  • HOA Fee: $243 Annually
  • Lot Desc: Corner Lot, Landscaped, Oversized Lot
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: OM722176
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/OM722176/20949sw81stloop_dunnellon_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/21/2026 12:32:25 AM)
Listing courtesy of PLATINUM HOMES AND LAND REALTY   Phone: 352-565-7555

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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20949 SW 81ST LOOP, Dunnellon, FL, 34431

$350,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $280,720 $280,720 $280,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $416 $416 $416
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,661 $1,706 $2,275
Total Monthly Payment $2,152 $2,197 $2,766

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.