20190 SW 54TH STREET, DUNNELLON, FL, 34431
Active494 days on marketListed Apr 3, 2025MLS #OM698578
About this home
20190 SW 54TH STREET
Welcome to your dream retreat! This beautifully renovated 3-bedroom, 2-bath home sits on a sprawling 2.76-acre lot, offering the perfect combination of space, comfort, and tranquility. With a completely open floor plan, the home boasts a spacious kitchen, new flooring, fresh paint, and updated bathrooms – all designed to create a modern, welcoming atmosphere. This property also features an attached 1 bedroom, 1 bathroom apartment/mother-in-law suite with its own private entrance, brand-new kitchen, and a charming private balcony perfect for relaxing in the serene surroundings. Outdoors, you'll find multiple storage sheds, including one with a half bath, providing plenty of space for all your tools, equipment, and hobbies. The enormous detached workshop with roll-up doors is perfect for any project, whether you're a DIY enthusiast or need room for your business. For RV owners, there's covered parking to keep your vehicle safe and protected from the elements. Plus, energy efficiency is top of mind with solar panels that reduce your carbon footprint while saving on energy bills. This property offers ultimate privacy and seclusion, yet it's still close enough to enjoy nearby amenities. Whether you're looking for a peaceful retreat or a place to entertain family and friends, this home has it all! Don’t miss out on this rare opportunity – schedule a showing today and make this private paradise your own!!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,705
Sqft
2.76 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$184
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 — not generic estimates.
$3,864 /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
$3,864/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
$184 vs $183
Days on market
494 vs 39 typical
Where $184/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)
165 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 1205% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 20190 SW 54TH STREET
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$285,000
19873 SW 59TH LANE · same community
3 bd · 2 ba · 1,569 sqft · $182/sqft · 35 DOM
Sold · Jun ’26$265,000
5092 SW 197TH TERRACE · same community
3 bd · 2 ba · 1,553 sqft · $171/sqft · 248 DOM
Sold · Mar ’26$415,000
5475 SW 194TH AVENUE
4 bd · 3.5 ba · 2,836 sqft · $146/sqft · 73 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20190 SW 54TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20190 SW 54TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
20190 SW 54TH STREET FAQs
What would the monthly payment be for 20190 SW 54TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,864/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 20190 SW 54TH STREET?+
The most recent tax bill on record (2024) was $6,543. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunnellon?+
At $499,000, this home is listed about 66% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$499,000 runs 1205% above the DUNNELLON 34431 median — but at 2,705 sqft it's also 56% larger than the typical Dunnellon listing.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
494 days on market against a Dunnellon median of 39 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $649,000, now $499,000 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL REALTY SOLD GUARANTEE · Scott Coldwell. MLS #OM698578.
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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