3562 NW 20TH AVENUE, BELL, FL, 32619
Active13 days on marketListed Jul 23, 2026MLS #GC542198
About this home
3562 NW 20TH AVENUE
Your private country home on 5 acres awaits you. This great home sits on 2 cleared acres & is surrounded by 3 acres of beautiful wooded land. From the front porch you have amazing seasonal views of the 240 acre farm field in front of the home to the South. This home was remodelled in 2022. Cosmetically the home presents well the moment you walk in the front door to the spacious great room style living room. The kitchen is open with a good size island perfect for culinary cooking space & entertaining guests. There is a more than adequate pantry & plenty of cabinet space. There is a dining area with all of the elbow room you will need in addition to bar stool seating at the centrally located island. There are 4 bedrooms (split plan) with 2 full bathrooms. The roof was replaced in 2022. Also that year a full home water softener system was installed. In 2025 a new HVAC & hot water heater was added to the resume. If you're looking for a solid value on a private property in the country that has been really well maintained both inside the home, the outside of the home, & also the lot itself, this one is one of the best choices in the sub 300k category currently on the market. An added observation: There are strategically positioned shade trees in the vicinity of the home, none that are too close or in need of trimming. On a recent day when the current temperature was 95 degrees, it actually felt comfortable parked under the canopy of shade trees with the accompanying breeze that was rolling through. It truly feels like an Oasis!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,560
Sqft
5 ac
Lot size
2005
Year built
One
Levels
$185
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.
$/sqft vs NA
$185 vs $287
Days on market
13 vs 46 typical
Where $185/sqft sits among the 126 homes for sale in NA
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
$273K → $240K
Bell median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
56 of 126
NA have cut their price
Median sold price, Bell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the BELL 32619 median. See the full Bell market guide →
Paper trail
This home's history
Reality check
What actually sold near 3562 NW 20TH 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$405,000
35410 JOHNS LANE · same community
3 bd · 2 ba · 1,560 sqft · $260/sqft · 28 DOM
Sold · Mar ’26$448,000
5192 CABO COURT · same community
2 bd · 2 ba · 1,560 sqft · $287/sqft · 174 DOM
Sold · Jan ’26$395,000
8395 W ANTHONY ROAD · same community
3 bd · 2 ba · 1,540 sqft · $256/sqft · 24 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 3562 NW 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3562 NW 20TH 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
3562 NW 20TH AVENUE FAQs
What would the monthly payment be for 3562 NW 20TH AVENUE?+
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 3562 NW 20TH AVENUE?+
The most recent tax bill on record (2025) was $2,306. 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 $287,900, this home is listed about 13% below the Bell median of $332,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3562 NW 20TH AVENUE?+
Trenton Elementary School (elementary) — Gilchrist 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
$287,900 runs 18% above the BELL 32619 median.
02Strong assigned schools
Trenton Elementary School — Trenton Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $299,900, now $287,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THOMAS LYNNE REALTY GROUP LLC · Shawn Hicks. MLS #GC542198.
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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