
2009 SW 20TH STREET, BELL, FL, 32619
Active71 days on marketListed May 23, 2026MLS #W7886036
About this home
2009 SW 20TH STREET
Looking for a fabulous horse farm in a horse community with a gorgeous home? There's also opportunity for income with all these stalls and paddocks! This 2023 (3/2 plus bonus room) custom log home looks like it's straight out of a magazine! Vaulted ceilings, hardwood floors, lodge-like stone fireplace and tons of farmhouse character! The stone fireplace extends to the exterior of the home and touches throughout the home. So many details and features! Large bedrooms, the en suite bath has a great tile shower with dual showerheads and dual sinks. The kitchen is beautiful with granite countertops with waterfall ends, the kitchen has a huge hammered copper Farm house sink. The bathrooms also have copper sinks. Open floor plan with a living room AND another family room with a bar area that's great for entertaining. You step from the laundry room down to the outdoor covered patio/pergola area with a hot tub on beautiful pavers. There is a pull down staircase in the office/bonus room that leads to a large storage attic! There is a hidden gun rack! The Generac generator runs the whole house, the barn and the paddock automatic waterers! The property is fenced and cross-fenced with 9 paddocks (all with automatic waterers), plus some hay stations, a very functional barn with 14 big stalls, a bathroom, each stall with an automatic waterer, a big tack/feed room, a large bay for bathing/grooming, and a storage area on one end for tractors and utility vehicles. One stall on one end of the barn has a Turn-out to the paddocks connected to that side. There's also a metal shed with electric that's 24 x 24 with a lean-to connected that is 18 x 24. Low HOA fee is for maintenance of the Standardbred track next door. You'll be close to the Suwannee River and the springs in the area. Gilchrist County features top-rated schools and Florida has no state income tax! This is one home you need to see and experience!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,250
Sqft
10.01 ac
Lot size
2023
Year built
One
Levels
$400
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.
$5,667 /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
$5,667/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 Bell actives
$400 vs $255
Days on market
71 vs 41 typical
Where $400/sqft sits among the 20 Bell 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 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
$230K → $673K
Bell median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
9 of 20
Bell actives have cut their price
Median sold price, Bell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 268% above the BELL 32619 median. See the full Bell market guide →
Paper trail
This home's history
Reality check
What actually sold near 2009 SW 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 · Dec ’25$255,000
600 SW 15TH COURT
3 bd · 2 ba · 1,680 sqft · $152/sqft · 70 DOM
Sold · Jun ’26$275,000
1750 SW 15TH STREET
3 bd · 2 ba · 1,402 sqft · $196/sqft · 21 DOM
Sold · Apr ’26$265,000
1349 SW 27TH PLACE
3 bd · 2 ba · 1,248 sqft · $212/sqft · 79 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 2009 SW 20TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2009 SW 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
2009 SW 20TH STREET FAQs
What would the monthly payment be for 2009 SW 20TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,667/mo — principal and interest, the actual property-tax bill, the $25/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 2009 SW 20TH STREET?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2009 SW 20TH STREET?+
The most recent tax bill on record (2025) was $3,467. 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 2009 SW 20TH STREET?+
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 Bell?+
At $899,900, this home is listed about 200% above the Bell median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2009 SW 20TH STREET?+
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
$899,900 runs 268% above the BELL 32619 median — but at 2,250 sqft it's also 46% larger than the typical Bell listing.
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 $980,000, now $899,900 — a $80K cut. The full history is in the market section below.
Listing courtesy of BIG BEND HOME & LAND LLC · Nancy Zubler-Turner. MLS #W7886036.
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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