20924 NE 132ND AVENUE, WALDO, FL, 32694
Active60 days on marketListed Aug 11, 2026MLS #GC542127
About this home
20924 NE 132ND AVENUE
LAKEFRONT LUXURY! Magnificent Little Lake Santa Fe estate on 2.25 acres with 450 feet of waterfront on one of Florida’s most exquisite spring fed lakes. Your chance to own one of the most desirable Santa Fe properties on Martin’s Island with immediate ROI potential. The pictures tell the story. Incredible 5 bedroom, 4 bathroom, 4550 square foot home located on a private gated property. Beautifully crafted French doors invite the stunning panoramic waterfront views from this home into all living areas. The custom kitchen features premium cabinets, large island, tile countertops and stainless-steel appliances including a gas range with hood and separate oven. Skylights illuminate throughout. Entertain or relax by the gas fireplace in the huge living room with built in shelving, vaulted ceilings, recessed lighting, wet bar and tile floors. The master suite boasts large walk-in closets and waterfront views. Outdoor entertaining is luxurious with a 660 sq. ft. Spanish tiled screened porch spanning the length of house. Immediate ROI rental potential as Lake Santa Fe is a vacationers paradise. This property offers an attached apartment / in -law suite with 2 bedrooms or 1 bedroom/living room and bath in addition to a separate 540 sq. ft. 1- bedroom cottage with bath and kitchenette. Majestic oaks, citrus, palm and fig trees grace the landscape. Enjoy fishing, boating, and watersports on 5800 acre Lake Santa Fe. Survey available. New roof installed in 2020 and HVAC in 2017. Your paradise is waiting.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,502
Sqft
2.25 ac
Lot size
1
Garage
2000
Year built
One
Levels
$408
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.
$9,163 /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
$9,163/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
−8.9%
$/sqft vs Waldo actives
$408 vs $250
Days on market
60 vs 104 typical
Where $408/sqft sits among the 10 Waldo 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 Waldo
Get to know Waldo. See the full Waldo guide →
WALDO 32694 — neighborhood snapshot
Population
1,870
Median age
58.9
Median income
$40,455
Median home value
$121,300
Avg household
1.87
Households w/ children
119
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Waldo market
$298K → $360K
Waldo median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
7 of 10
Waldo actives have cut their price
Median sold price, Waldo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 579% above the WALDO 32694 median. See the full Waldo market guide →
Paper trail
This home's history
Reality check
What actually sold near 20924 NE 132ND 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$290,000
20810 NE 132ND AVENUE · same community
1 bd · 1 ba · 1,056 sqft · $275/sqft · 36 DOM
Sold · Aug ’26$1,600,000
12603 NE 204 TERRACE
5 bd · 3 ba · 3,608 sqft · $443/sqft · 135 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20924 NE 132ND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20924 NE 132ND AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20924 NE 132ND AVENUE FAQs
What would the monthly payment be for 20924 NE 132ND AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,163/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 20924 NE 132ND AVENUE?+
The most recent tax bill on record (2025) was $9,072. 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 Waldo?+
At $1,429,000, this home is listed about 347% above the Waldo median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20924 NE 132ND AVENUE?+
Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · John Laxson. MLS #GC542127.
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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