20990 W Pennsylvania Ave, Dunnellon, FL, 34431
About This Home
Charming 1948 Triple Cottage Compound in Historic Dunnellon. If you've been searching for that perfect Old Florida investment or family retreat, these delightful trio of 1948 cottages with metal roofs & screened front porches for rocking chairs to view the generous half-acre+/-. is ready for you. The cottages are perfectly positioned half a mile from the Withlacoochee River boat ramp & 1 mile from the Dunnellon Rainbow River park and 5 minutes from Blue Run Park trail with walking & biking trails connecting all the way to Tampa. All three cottages have metal roofs, front screened porches, split rail fencing, updated kitchens, washer/dryer hookups. Cottages #1 & 3 are both 600sqft under air, 738 total under roof with 1 bedroom & 1-bathroom, with custom barn door to bedrooms. Cottage #2 offers 968 sqft under air, 1168sqft total under roof, includes 2 bedrooms, 2 full bathrooms, with a bonus room. Cottage #2 shows as a duplex on county property appraisers' site and could possibly be retrofitted back to a duplex. There is a 480 sq ft exterior building for storage. All three cottages have tenants, leases available for review for serious buyers. The homes are convenient to antique shops, art gallery, restaurants, shopping & more. Ocala/World Equestrians Center are within 30 minute; Tampa & Orlando are accessible within 2 hours. Come own a piece of Real Florida In Historic Dunnellon. All 3 Cottages have their own address Cottage#1 20997 RIVER DR DUNNELLON Cottage #2 20994 W PENNSYLVANIA AVE DUNNELLON Cottage#3 20990 W PENNSYLVANIA AVE DUNNELLON
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1948
Materials
- Foundation: Pillar/Post/Pier
- Roof: Metal
- Construction materials: Wood Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Range,Refrigerator
- Laundry features: Inside,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- Ceiling Fan(s),Primary Bedroom Main Floor
- Flooring: Carpet,Laminate,Hardwood
Heating & Cooling
- Heating features: Wall Units / Window Unit
- Cooling features: Ductless
Interior Area
- Total structure area: 2,081
- Total interior livable area: 2,081 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Built-in Closet
- Level: First
Property
Details
- Parcel number: 3380040600
- Zoning: R3A
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Screened
- Exterior features: Private Yard,Storage
- Fencing: Wood
- Has view: Yes
- View description: Trees/Woods
- Waterbody name: WITHLACOOCHEE & RAINBOW RIVER
- Residential vegetation: Mature Landscaping
Lot
- Lot size: 0.57 Acres
- Features: Cleared,Corner Lot,Historic District,City Lot,Level,Street Dead-End
- Lot size dimensions: 132 x 125
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Cold Wave
- Inland Flooding
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Marion County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,017 | $24,204 |
| Home Insurance * | $257 | $3,084 |
| Property Taxes | $781 | $9,372 |
| Electricity | $209 | $2,513 |
| Total | $3,264 | $39,168 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Price change | $399,000 |
| 2025-12-03 | Listed for sale | $435,000 |
| 2024-10-13 | Listing removed | $500,000 |
| 2024-04-30 | Listed for sale | $500,000 |
| 2023-09-27 | Sold | $185,000 |
| 2013-12-12 | Sold | $59,900 |
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