920 NW 20TH STREET, GAINESVILLE, FL, 32603
Active184 days on marketListed Jan 28, 2026MLS #GC537023
About this home
920 NW 20TH STREET
Prime UF Location | Flexible Layout | Creekfront Privacy Spacious 3-bedroom, 1-bath home just minutes from the University of Florida, offering exceptional flexibility and income potential. The main residence includes a one-car garage and shares laundry with a 2-bedroom, 1-bath apartment below, creating the option to lease separately or combine both levels into a 5-bedroom, 2-bath property—ideal for investors or multi-generational living. Situated on an almost one-acre lot at the end of a quiet street, this unique property backs up to Hogtown Creek, delivering rare water views, privacy, and a serene setting—hard to find this close to campus. Walk or bike to UF while enjoying a peaceful, nature-filled backdrop. Currently leased through July at $3,195/month, making this a turnkey investment or an excellent opportunity to secure a Gator game-day home or future primary residence. Properties with this size, flexibility, and location near UF don’t last—priced for a quick, easy sale.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
1,981
Sqft
0.87 ac
Lot size
1
Garage
1948
Year built
Two
Levels
$277
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.
$4,236 /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
$4,236/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.
vs edgeAI estimate
+12.6%
$/sqft vs Gainesville actives
$277 vs $199
Days on market
184 vs 36 typical
Where $277/sqft sits among the 400 Gainesville 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 University Park
Get to know Gainesville. See the full Gainesville guide →
University Park — neighborhood snapshot
Population
4,173
Median age
30
Median income
$61,923
Median home value
$377,890
Avg household
2
Households w/ children
133
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
178 of 400
Gainesville actives have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the GAINESVILLE 32603 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 NW 20TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$395,000
9251 STAR TRAIL · same community
3 bd · 2 ba · 1,580 sqft · $250/sqft · 50 DOM
Sold · May ’26$299,999
10821 CANDY LANE · same community
2 bd · 1 ba · 1,150 sqft · $261/sqft · 12 DOM
Sold · Mar ’26$250,000
11130 CHICAGO AVENUE · same community
2 bd · 2 ba · 906 sqft · $276/sqft · 24 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 920 NW 20TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 NW 20TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
920 NW 20TH STREET FAQs
What would the monthly payment be for 920 NW 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,236/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 920 NW 20TH STREET?+
The most recent tax bill on record (2025) was $7,212. 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 Gainesville?+
At $549,000, this home is listed about 86% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 920 NW 20TH STREET?+
Carolyn Beatrice Parker Elementary (elementary), Gainesville High School (high), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$549,000 runs 51% above the GAINESVILLE 32603 median — but at 1,981 sqft it's also 37% larger than the typical Gainesville listing.
02Time on market is leverage
184 days on market against a Gainesville median of 36 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $595,000, now $549,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORNERSTONE REALTY & MANAGEMENT SERVICES LLC · Jamie Williams. MLS #GC537023.
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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