3100 NW 20TH STREET, BELL, FL, 32619
Active121 days on marketListed Apr 3, 2026MLS #GC539141
About this home
3100 NW 20TH STREET
Enjoy peaceful country living just outside the city limits of Bell, Florida, on 5 beautiful acres! This 2-bedroom, 1-bathroom home sits on mostly pasture land that is fully fenced and ready for animals, making it ideal for a small farm, homestead, or anyone looking for space and privacy. The property features a 25x60 pole barn perfect for parking vehicles, equipment, or additional storage. Recent updates provide added value and peace of mind, including a new well pump and tank (2025), new range/stove (2025), new back door (2026) and major improvements in 2024 such as the home being leveled and reinsulated with a new vapor barrier and new air conditioning ductwork. An outdoor shower adds a convenient touch for farm life and enjoying the Florida outdoors. Covered porches on front and back allow you to enjoy the beautiful landscape and watch the visiting deer in the backyard. With open pasture, room for animals, and useful outbuildings already in place, this property offers quiet rural living just minutes from town and local amenities.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
784
Sqft
5 ac
Lot size
1986
Year built
One
Levels
$255
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.
$1,583 /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
$1,583/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 NOT IN SUBDIVISION
$255 vs $253
Days on market
121 vs 41 typical
Where $255/sqft sits among the 123 homes for sale in NOT IN SUBDIVISION
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 Bell
Get to know Bell. See the full Bell guide →
BELL 32619 — neighborhood snapshot
Population
5,227
Median age
40.9
Median income
$62,045
Median home value
$177,600
Avg household
2.69
Households w/ children
615
For the school run
Gilchrist County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bell market
$230K → $673K
Bell median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
58 of 123
NOT IN SUBDIVISION have cut their price
Median sold price, Bell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the BELL 32619 median. See the full Bell market guide →
Paper trail
This home's history
Reality check
What actually sold near 3100 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 · Jan ’26$160,000
804 SE 5TH STREET · same community
3 bd · 1 ba · 788 sqft · $203/sqft · 7 DOM
Sold · Mar ’26$130,000
27 STORY ROAD · same community
2 bd · 1 ba · 864 sqft · $150/sqft · 3 DOM
Sold · Dec ’25$165,000
9630 NE 99TH PLACE · same community
3 bd · 2 ba · 914 sqft · $181/sqft · 0 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 3100 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 3100 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
3100 NW 20TH STREET FAQs
What would the monthly payment be for 3100 NW 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,583/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 3100 NW 20TH STREET?+
The most recent tax bill on record (2025) was $1,893. 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 Bell?+
At $199,900, this home is listed about 33% below the Bell median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3100 NW 20TH STREET?+
Trenton Elementary School (elementary) — Gilchrist County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the BELL 32619 market on paper
$199,900 is 18% below the BELL 32619 median of $244,500.
02Time on market is leverage
121 days on market against a Bell median of 41 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Trenton Elementary School — Trenton Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $224,900, now $199,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY OF NORTH FLORIDA, INC · Natalie Rankin, S. MLS #GC539141.
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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