20517 NE 114TH AVENUE, WALDO, FL, 32694
Active61 days on marketListed Jun 11, 2026MLS #GC541132
About this home
20517 NE 114TH AVENUE
Experience the charm of country living in the heart of Earleton. Nestled on a beautifully maintained 1.25-acre AG-zoned lot in a picturesque lakeside community, this inviting home offers a rare blend of tranquility, natural beauty, and modern comfort. Surrounded by mature landscaping, including majestic oak trees, crepe myrtles, a producing satsuma tree, blueberry bushes, a graceful weeping bottlebrush, and a serene butterfly garden, the property creates a peaceful outdoor retreat with frequent visits from deer, foxes, owls, and a variety of native birds. Inside, you'll find a spacious open great room with soaring ceilings, ideal for both everyday living and entertaining, along with a well-appointed kitchen featuring stainless steel appliances and updated cabinet hardware. The generous primary suite includes a large walk-in closet, while a brand-new A/C system and whole-house generator provide year-round comfort, convenience, and peace of mind. The attached two-car garage boasts a durable and attractive speckled epoxy floor. Outside, the expansive yard offers ample space for gardening, recreation, and relaxation, along with a pump house and storage shed. Adding even more appeal, the home is equipped with semi-permanent Govee exterior lighting that can be fully customized for every holiday, special occasion, or everyday ambiance, featuring a wide variety of color options as well as adjustable warm and cool white lighting. As an added bonus, the property includes optional membership access with an association fee to Blueberry Bay’s boat ramp, dock, and quaint lakeside park, providing convenient access to boating, fishing, and waterfront enjoyment. Whether you're seeking a peaceful retreat, room to grow, or the best of small-town living, this exceptional property is ready to welcome you home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,400
Sqft
1.25 ac
Lot size
2
Garage
1995
Year built
One
Levels
$214
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.
$2,280 /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
$2,280/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 Waldo actives
$214 vs $177
Days on market
61 vs 48 typical
Where $214/sqft sits among the 7 Waldo 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 Waldo
Get to know Waldo. See the full Waldo guide →
WALDO 32694 — neighborhood snapshot
Population
1,870
Median age
58.9
Median income
$40,455
Median home value
$121,300
Avg household
1.87
Households w/ children
119
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Waldo market
$298K → $360K
Waldo median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
4 of 7
Waldo actives have cut their price
Median sold price, Waldo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% above the WALDO 32694 median. See the full Waldo market guide →
Paper trail
This home's history
Reality check
What actually sold near 20517 NE 114TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$328,500
21104 NE 114TH AVENUE
3 bd · 3 ba · 1,664 sqft · $197/sqft · 19 DOM
Sold · Sep ’25$495,000
21015 NE 115TH
4 bd · 3 ba · 2,733 sqft · $181/sqft · 204 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 20517 NE 114TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20517 NE 114TH AVENUE — 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
20517 NE 114TH AVENUE FAQs
What would the monthly payment be for 20517 NE 114TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,280/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 20517 NE 114TH AVENUE?+
The most recent tax bill on record (2025) was $2,690. 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 Waldo?+
At $299,500, this home is listed about 8% below the Waldo median of $324,750. The market section on this page shows how the area is trending.
Which schools are assigned to 20517 NE 114TH AVENUE?+
Chester Shell Elementary School (elementary) — 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
$299,500 runs 48% above the WALDO 32694 median.
02Garden & Park/Greenbelt & Trees/Woods views
The garden and park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $315,000, now $299,500 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LAKESIDE REALTY · Trey Fields, III. MLS #GC541132.
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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