4460 SW 20TH LANE, GAINESVILLE, FL, 32607
Active12 days on marketListed Jul 22, 2026MLS #GC541932
About this home
4460 SW 20TH LANE
Lovely end unit with privacy. Luxury vinyl lank in entire unit. No carpet. Quartz countertops, deck, artificial turf, privacy fence, fireplace, Bluetooth bathroom ventilation, smart lights, stainless steel appliances,
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,208
Sqft
0.03 ac
Lot size
1986
Year built
Two
Levels
$207
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 and the real association fee — not generic estimates.
$1,944 /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
$1,944/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
+17.2%
$/sqft vs Gainesville actives
$207 vs $198
Days on market
12 vs 36 typical
Where $207/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 Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32607 — neighborhood snapshot
Population
31,938
Median age
26.9
Median income
$46,517
Median home value
$297,800
Avg household
2.2
Households w/ children
2,649
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)
187 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 33% above the GAINESVILLE 32607 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4460 SW 20TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$215,000
4417 SW 21ST LANE · same community
3 bd · 2 ba · 1,321 sqft · $163/sqft · 5 DOM
Sold · Jan ’26$219,000
4449 SW 21ST LANE · same community
3 bd · 2 ba · 1,321 sqft · $166/sqft · 4 DOM
Sold · Mar ’26$222,000
4424 SW 20TH LANE · same community
3 bd · 2 ba · 1,361 sqft · $163/sqft · 5 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 4460 SW 20TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4460 SW 20TH LANE — 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
4460 SW 20TH LANE FAQs
What would the monthly payment be for 4460 SW 20TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,944/mo — principal and interest, the actual property-tax bill, the $90/mo association fee 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.
How much are the HOA fees at 4460 SW 20TH LANE?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4460 SW 20TH LANE?+
The most recent tax bill on record (2025) was $1,347. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4460 SW 20TH LANE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Gainesville?+
At $249,900, this home is listed about 15% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4460 SW 20TH LANE?+
Lawton M. Chiles Elementary School (elementary), Fort Clarke Middle School (middle), F. W. Buchholz High School (high) — 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
$249,900 runs 33% above the GAINESVILLE 32607 median.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Lawton M. Chiles Elementary School, Fort Clarke Middle School, F. W. Buchholz High School — Lawton M. Chiles Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Genile Morris. MLS #GC541932.
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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