3929 NW 20TH TERRACE, GAINESVILLE, FL, 32605
Active49 days on marketListed Aug 24, 2026MLS #GC542940
About this home
3929 NW 20TH TERRACE
Check out this completely remodeled 4-bedroom, 2-bathroom concrete block home just 10 minutes from the University of Florida! Featuring quartz countertops, modern fixtures, LVP flooring, stainless steel appliances, and a covered backyard deck, this home has it all. The fully fenced lot offers privacy in both the front and back yards. Step inside and enjoy some cool peace of mind knowing the metal roof, HVAC system, and windows were all updated just five years ago. The open floor plan brings everyone together, whether relaxing in the expansive living room or gathering around the large kitchen island. With no HOA and close proximity to UF, HCA Florida North Florida Hospital, and the VA, this home offers comfort and convenience all in one package!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,660
Sqft
0.23 ac
Lot size
1959
Year built
One
Levels
$184
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.
$2,491 /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
$2,491/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.
vs edgeAI estimate
−0.7%
$/sqft vs Gainesville actives
$184 vs $198
Days on market
49 vs 75 typical
Where $184/sqft sits among the 400 Gainesville 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 Hazel Heights
Get to know Gainesville. See the full Gainesville guide →
Hazel Heights — neighborhood snapshot
Population
2,003
Median age
33
Median income
$83,056
Median home value
$226,905
Avg household
3
Households w/ children
242
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$294K → $309K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
242 of 400
Gainesville actives have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3929 NW 20TH TERRACE
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
3904 NW 20TH TERRACE · same community
2 bd · 2 ba · 1,118 sqft · $228/sqft · 139 DOM
Sold · Oct ’25$325,000
1331 NW 21ST AVENUE
3 bd · 2 ba · 1,724 sqft · $189/sqft · 37 DOM
Sold · Jun ’26$350,000
2901 NW 32ND STREET
3 bd · 2 ba · 1,728 sqft · $203/sqft · 54 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 3929 NW 20TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3929 NW 20TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3929 NW 20TH TERRACE FAQs
What would the monthly payment be for 3929 NW 20TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,491/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 3929 NW 20TH TERRACE?+
The most recent tax bill on record (2025) was $4,818. 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 3929 NW 20TH TERRACE?+
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 Gainesville?+
At $304,900, this home is listed about 7% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3929 NW 20TH TERRACE?+
C. W. Norton Elementary School (elementary), Gainesville High School (high), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ATRIUM REALTY, LLC · Nicolas Morales. MLS #GC542940.
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.
Never miss a listing
New Gainesville homes, in your inbox
Like 3929 NW 20TH TERRACE but not quite? A daily digest of every new listing in Gainesville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →