4401 NW 20TH DRIVE, GAINESVILLE, FL, 32605
Active106 days on marketListed Apr 24, 2026MLS #GC539800
About this home
4401 NW 20TH DRIVE
Charming home located in a quiet, established neighborhood, situated on a large tree-shaded lot with windows that are filled with natural light for the home's overall appeal. This property offers privacy, outdoor enjoyment, and a fenced backyard with room to create inviting spaces such as a fire pit area for relaxing and entertaining. Inside, you'll find a welcoming interior with comfortable living spaces and features of a well-designed layout, which includes resilient flooring, which also includes a back yard view that is ready and waiting for your personalization. The home is conveniently located in a desirable location in northwest Gainesville and offers easy access to everyday shopping, dining, parks, and is within close distance to the University of Florida, in addition to major medical centers and several well-regarded school systems. This one won't last long!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,330
Sqft
0.18 ac
Lot size
1
Garage
1979
Year built
One
Levels
$173
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.
$2,005 /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
$2,005/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
−12.1%
$/sqft vs Gainesville actives
$173 vs $201
Days on market
106 vs 45 typical
Where $173/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 Hazel Heights
Get to know Gainesville. See the full Gainesville guide →
Hazel Heights — neighborhood snapshot
Population
2,003
Median age
33
Median income
$83,056
Median home value
$226,905
Avg household
3
Households w/ children
242
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
$294K → $333K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
185 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 10% below the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4401 NW 20TH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$259,000
4224 NW 20TH DRIVE · same community
4 bd · 2 ba · 1,316 sqft · $197/sqft · 16 DOM
Sold · Oct ’25$275,000
1912 NW 43RD PLACE · same community
4 bd · 3 ba · 1,398 sqft · $197/sqft · 12 DOM
Sold · May ’26$247,500
4306 NW 20TH DRIVE · same community
3 bd · 2 ba · 1,192 sqft · $208/sqft · 4 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 4401 NW 20TH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4401 NW 20TH DRIVE — 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
4401 NW 20TH DRIVE FAQs
What would the monthly payment be for 4401 NW 20TH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,005/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 4401 NW 20TH DRIVE?+
The most recent tax bill on record (2025) was $4,676. 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 $229,900, this home is listed about 23% below the Gainesville median of $297,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4401 NW 20TH DRIVE?+
C. W. Norton Elementary School (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
01Under the GAINESVILLE 32605 market on paper
$229,900 is 10% below the GAINESVILLE 32605 median of $255,250, and at $173/sqft it sits under the Gainesville average of $209.
02Time on market is leverage
106 days on market against a Gainesville median of 45 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $240,000, now $229,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MISNER REAL ESTATE SERVICES LLC · Marty Misner. MLS #GC539800.
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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