4321 NW 20TH STREET, GAINESVILLE, FL, 32605
Active36 days on marketListed Jul 3, 2026MLS #GC541678
About this home
4321 NW 20TH STREET
Some homes just get it right, and you can tell the moment you step inside. This three bedroom, two bath home rests on an oversized corner lot in a quiet, tree-lined pocket of northwest Gainesville, with no HOA. Inside, natural light, wood look floors, and soft white walls carry through the space, open and easy from every angle. There's no carpet anywhere, and the layout is natural and unforced, ready to handle a full house of guests and an ordinary Tuesday equally well. The kitchen is already done, and not the builder grade version of done. White shaker cabinetry, soft-close drawers, quartz counters, stainless appliances, and a patterned backsplash with real character. The island earns its place, and because the kitchen opens to the living and dining space, you're always part of the room instead of tucked away from it. The backyard is where this home quietly shows off. A deck for slow mornings. A built in bar and grill station for people who love to host. A fire pit ringed in stone, string lights overhead, and a shed to keep everything else in its place. It's built for long dinners and later nights. The everyday details hold up too. Generous storage throughout, a roof only three years old, and updates already handled. UF, downtown, and a good cup of coffee are all a short drive away. Move in ready in the truest sense, with nothing left to do but settle in. Some homes take a little imagination. This one just feels right the moment you're standing in it.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,202
Sqft
0.33 ac
Lot size
1
Garage
1983
Year built
One
Levels
$241
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.
$2,174 /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
$2,174/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
+11.2%
$/sqft vs Gainesville actives
$241 vs $202
Days on market
36 vs 45 typical
Where $241/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)
186 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 13% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4321 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$247,500
4306 NW 20TH DRIVE · same community
3 bd · 2 ba · 1,192 sqft · $208/sqft · 4 DOM
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
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 4321 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 4321 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
4321 NW 20TH STREET FAQs
What would the monthly payment be for 4321 NW 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,174/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 4321 NW 20TH STREET?+
The most recent tax bill on record (2026) was $2,180. 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 $289,500, this home is listed about 3% below the Gainesville median of $297,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4321 NW 20TH STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Donavaun Horne. MLS #GC541678.
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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