
4400 SW 20TH AVENUE, OCALA, FL, 34471
Active183 days on marketListed Jan 27, 2026MLS #OM716762
About this home
4400 SW 20TH AVENUE
Mid-Century Modern feel with undeniable Luxury. This home has had a complete renovation, top to bottom. New everything. Must see the luxury modern touches throughout. Double laundry, large 14 ft Kitchen quartz top island, the list is endless. Experience refined living in one of Ocala’s most sought-after gated enclaves at 4400 Southwest 20th Avenue. Elegance and privacy define this custom residence, ideally situated on a quiet corner lot of just over one acre in the exclusive gated enclave of Oak Creek Caverns. Encompassing approximately 3,627 square feet of living area, the five-bedroom, three-and-one-half-bath home blends timeless craftsmanship with modern comfort, creating a distinguished retreat minutes from the conveniences of State Road 200. A stately entry introduces spacious interiors designed for both everyday living and entertaining. The open-concept kitchen has been thoughtfully renovated with quartz countertops, custom wood cabinetry, and a large 14-foot center island with seating. The adjoining breakfast nook provides a welcoming space for casual meals, framed by natural light and garden views. The family room features high ceilings and a set-back media wall, while the main living area includes a 12-foot built-in bar and expansive bi-fold glass doors that open to the covered porch. The seamless indoor-outdoor connection invites relaxation and entertaining against a backdrop of mature landscaping and a lush, private backyard. The primary suite offers a spacious bedroom with a sitting area, walk-in closet, and a recently completed bath showcasing elegant finishes and a spa-inspired layout. Additional bedrooms are well appointed and versatile, providing options for guests, home office space, or a media room. Recent improvements enhance both style and efficiency, new fiber cement siding, all new windows and doors throughout the home, new roof with skylights and engineered hardwood flooring throughout the home, as well as fresh interior paint. Every detail reflects thoughtful design and pride of ownership. Oak Creek Caverns is a gated and fully fenced community offering an unparalleled sense of privacy and peace. Its location provides rare convenience, positioned near premier schools such as Blessed Trinity High School, and minutes from shopping, dining, and healthcare options. Despite its proximity to amenities, the setting feels secluded and tranquil, creating the best of both worlds for those seeking refined living within reach of everything Ocala offers.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,627
Sqft
1.03 ac
Lot size
2
Garage
1987
Year built
One
Levels
$229
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.
$5,655 /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
$5,655/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.
vs edgeAI estimate
+8.1%
$/sqft vs Ocala actives
$229 vs $180
Days on market
183 vs 43 typical
Where $229/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)
163 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 168% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4400 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 · Sep ’25$1,900,000
4990 SW 7TH AVENUE ROAD
4 bd · 3.5 ba · 3,652 sqft · $520/sqft · 69 DOM
Sold · Dec ’25$770,000
1715 SW 27 TH PLACE
4 bd · 3.5 ba · 3,186 sqft · $242/sqft · 101 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 4400 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 4400 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
4400 SW 20TH AVENUE FAQs
What would the monthly payment be for 4400 SW 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,655/mo — principal and interest, the actual property-tax bill, the $133/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 4400 SW 20TH AVENUE?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4400 SW 20TH AVENUE?+
The most recent tax bill on record (2025) was $6,724. 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 4400 SW 20TH AVENUE?+
The listing reports pets: Yes. 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 $832,000, this home is listed about 178% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4400 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
Four things that matter here
01Positioned at the premium end
$832,000 runs 168% above the OCALA 34471 median — but at 3,627 sqft it's also nearly twice the size of the typical Ocala listing.
02Time on market is leverage
183 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $976,000, now $832,000 — a $144K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Angela Rose. MLS #OM716762.
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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