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Single Family ResidenceResidential
$172,508$143 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20865 RIVER DR

DUNNELLON, FL 34431
2
Beds
2 / 1
Baths
1,210 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$173K
$162K low$183K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$145,508
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,406
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.18%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$27,000
AMSOUTH BANK · recorded Aug 17, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$886 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$82,361 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,408
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$69,953
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,040
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$194,095

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMarion
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2014
Lot (acres)The size of the land the home sits on, from county records.0.19
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 100 ft²Porch · 250 ft²Outdoor kitchen

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Dunnellon Middle SchoolC+
Middle · Grades 6–8 · 0.3 mi
E
Dunnellon Elementary SchoolC
Elementary · Grades PK–5 · 3.4 mi
H
Dunnellon High SchoolD-
High · Grades 9–12 · 3.5 mi

District: Marion County School District

Neighborhood · ZIP 34431These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.114
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.9,771
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.99 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,276
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,613
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20865 River Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 84% of homes in Marion County
  • Costs less per square foot than 75% of homes in Marion County
  • Smaller than 77% of homes in Marion County
  • Has a smaller lot than 97% of homes in Dunnellon 34431
  • Newer than 65% of homes in Dunnellon 34431

What homes are worth in Dunnellon 34431

Each bar is how many homes fall in that price range. The marker is this home.

This home
$85K$614K

This home is worth more than 21% of homes in Dunnellon 34431.

How it measures up in Dunnellon 34431

The dot is this home. The mark in the middle is the typical home in Dunnellon 34431.

Estimated value$172,508
CheaperTypical $239,454Pricier

Pricier than 21% of homes nearby

Price per ft²$143
CheaperTypical $161Pricier

Pricier than 26% of homes nearby

Living area1,210 ft²
SmallerTypical 1,486 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.19 ac
SmallerTypical 0.99 acBigger

Bigger than 3% of homes nearby

Year built1999
OlderTypical 1989Newer

Newer than 65% of homes nearby

How 20865 River Dr ranks against every home in each area.
MeasureThis homeDunnellon 34431Marion County
Estimated valuepricier than$172,50821% of homes16% of homes
Price per ft²pricier than$14326% of homes25% of homes
Living areabigger than1,210 ft²26% of homes23% of homes
Lot sizebigger than0.19 ac3% of homes18% of homes
Year builtnewer than199965% of homes53% of homes

About 20865 River Dr

How much is 20865 River Dr, Dunnellon, FL worth?

The TopHap Estimate for 20865 River Dr, Dunnellon, FL is $172,508 as of Jul 14, 2026. The likely range is $161,714 to $183,302. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20865 River Dr, Dunnellon, FL last sell?

20865 River Dr, Dunnellon, FL last sold on Aug 1, 2012, according to the county's recorded deed.

How big is 20865 River Dr, Dunnellon, FL?

20865 River Dr, Dunnellon, FL has 2 bedrooms, 2 bathrooms, 1,210 square feet of living space and a 0.19-acre lot.

When was 20865 River Dr, Dunnellon, FL built?

20865 River Dr, Dunnellon, FL was built in 1999, making it 27 years old. The building has 1 story.

What schools serve 20865 River Dr, Dunnellon, FL?

20865 River Dr, Dunnellon, FL is assigned to Dunnellon Middle School (middle), rated C+; Dunnellon Elementary School (elementary), rated C; Dunnellon High School (high), rated D-. All sit in Marion County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20865 River Dr, Dunnellon, FL compare to other homes in Dunnellon 34431?

Among the 4,851 homes in Dunnellon 34431, it is worth more than 21% of them ($172,508 against a typical $239,454), its price per square foot is higher than 26% of them ($143 against a typical $161), it is bigger than 26% of them (1,210 ft² against a typical 1,486 ft²), its lot is bigger than 3% of them (0.19 ac against a typical 0.99 ac) and it is newer than 65% of them (1999 against a typical 1989). Measured against all of Marion County, it is worth more than 16% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20865 River Dr, Dunnellon, FL?

The 2025 property tax bill for 20865 River Dr, Dunnellon, FL was $886. The county assessed it at $82,361.

Closest homes

More homes in Dunnellon 34431

Assigned schools

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