
4305 SW 20TH AVENUE, OCALA, FL, 34471
Active420 days on marketListed May 31, 2025MLS #OM702426
About this home
4305 SW 20TH AVENUE
Drastic Reduction: Extraordinary Custom Home with Stunning Views of Ravine and Cavern – a rare find in Florida with 1 year of existing home warranty. Step into a truly unique sanctuary, nestled amidst Florida’s natural beauty, offering an unparalleled combination of privacy, modern comfort, and breathtaking views. Set back from the road and nestled within a tranquil natural landscape, this custom-built 4 bed/4.5 bath home offers both seclusion and serenity, with stunning views from every room. Whether you're seeking a unique full-time residence or a retreat for weekend getaways, this property offers the perfect blend of indoor/outdoor living spaces, designed for relaxation and easy entertainment. 5287 sq. ft (under heat & air conditioning). Excellent layout for a mutigenerational household. Incredible Views: Every room is designed to capture stunning views of nature, with walls of windows that flood the home with light. Ravine and Cavern: Lime rock cliffs lead to a valley filled with native plant life. Soaring trees are home to many species of birds. Privacy & Seclusion: Set away from the road, home is tranquil, quiet & private. With three levels of wrap-around decks, you’ll find the perfect space to enjoy everything from sunbathing to yoga, cocktails with friends, or simply relaxing while soaking in nature’s beauty. Spacious Primary Suite: The entire second floor is dedicated to the luxurious primary suite, with a separate bathroom for each partner. Expansive space includes soaring ceilings, natural wood finishes. Private Quarters for All: Each bedroom occupies its own wing or level of the home for maximum privacy. Entertainment-Ready: The home is designed for effortless indoor and outdoor entertaining, with a flexible layout that includes a modern granite and stainless kitchen, spacious dining areas, and ample room for gatherings. A separate guest suite or flex space with a private entrance and kitchenette ensures privacy for visitors. Features a well-equipped kitchen with 2 convection ovens, deep, farmhouse-style sink, built-in bookcases in the loft library, and a spa bathroom, this home is as functional as it is beautiful. A private gym space and soothing, deep-soaking tub give the perfect way to unwind and focus on self-care. Additional spaces like a loft library, private offices, sunbathing area, & ample storage areas provide the flexibility you need to customize this home to fit your lifestyle. Large, attached solarium allows you to immerse yourself in the changing seasons, the shifting light, and the tranquil sights and sounds of nature while remaining sheltered and comfortable. It creates a space that fosters relaxation, creativity, and wellness, whether you're basking in the warmth of the sun. Separate storage for your toys, with a separate entrance for a golf cart, bikes, or an ATV, a 2-car garage convertible to a four-car capacity, and a private, spacious office area. Beautiful hand-made stained-glass window and high-end finishes throughout, a marble wood-burning fireplace, and a dramatic steel spiral staircase. Seller discloses that the property has experienced moisture-related issues and mold, in some locations in the home behind the kitchen wall, originating from a past roof leak. The property is sold in its current 'AS-IS' condition, and the buyer is encouraged to conduct their own independent inspections.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
5,287
Sqft
2.12 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$142
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.
$5,778 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,778/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Ocala actives
$142 vs $182
Days on market
420 vs 43 typical
Where $142/sqft sits among the 400 Ocala 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 Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34471 — neighborhood snapshot
Population
26,031
Median age
44.2
Median income
$60,283
Median home value
$292,200
Avg household
2.31
Households w/ children
2,491
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
153 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 146% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4305 SW 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 · May ’26$630,000
4220 SW 20TH AVENUE · same community
4 bd · 3 ba · 2,851 sqft · $221/sqft · 23 DOM
Sold · Mar ’26$1,111,111
5951 SW 21ST AVENUE ROAD
3 bd · 3.5 ba · 5,274 sqft · $211/sqft · 73 DOM
Sold · Oct ’25$1,590,000
1150 SW 43RD PLACE
4 bd · 3 ba · 4,800 sqft · $331/sqft · 125 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 4305 SW 20TH AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4305 SW 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
4305 SW 20TH AVENUE FAQs
What would the monthly payment be for 4305 SW 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,778/mo — principal and interest, the actual property-tax bill, the $117/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 4305 SW 20TH AVENUE?+
The association fee works out to $117 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4305 SW 20TH AVENUE?+
The most recent tax bill on record (2024) was $14,071. 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 4305 SW 20TH AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 Ocala?+
At $749,999, this home is listed about 151% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4305 SW 20TH AVENUE?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$749,999 runs 146% above the OCALA 34471 median — but at 5,287 sqft it's also nearly 3 times the size of the typical Ocala listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
420 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,199,999, now $749,999 — a $450K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SIMPLE REALTY GROUP LLC · Michael Fallon. MLS #OM702426.
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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