
3518 NW 20TH STREET, GAINESVILLE, FL, 32605
Active18 days on marketListed Sep 24, 2026MLS #GC543651
About this home
3518 NW 20TH STREET
Virtually Staged. Welcome to this contemporary Gainesville residence, offering 4 bedrooms, 2 full bathrooms, approximately 1,702 square feet of conditioned living space, and an attached two-car garage. Thoughtfully designed with quality construction and modern finishes, this home combines striking architectural character with comfortable everyday living. Inside, 10-foot ceilings, distinctive tray ceiling details, and generous windows create a bright, spacious atmosphere. The open-concept layout connects the living and dining areas with a beautifully appointed kitchen, making the space equally inviting for entertaining and relaxing at home. Luxury vinyl plank flooring, extensive recessed lighting, and contemporary statement fixtures provide a cohesive finish throughout the main living areas. The kitchen features white shaker-style cabinetry, a contrasting wood-tone island, sleek countertops, a tile backsplash, stainless steel appliances, and a pantry. The central island offers additional workspace and seating while keeping the kitchen connected to the surrounding living spaces. The primary suite includes walk-in closet storage and a beautifully finished bathroom with a freestanding soaking tub, a separate glass-enclosed shower, and modern fixtures. Three additional bedrooms provide flexibility for guests, a home office, or other everyday needs. Sliding glass doors open from the dining area to a covered, screened lanai, extending the living space outdoors and creating an inviting setting for morning coffee or evening gatherings. A covered front entry, distinctive roofline, and landscaped walkway complement the home’s contemporary curb appeal. Designed with careful attention to structural detailing, including additional shear walls, this home pairs its modern aesthetic with a thoughtful approach to construction. An indoor laundry area, attached two-car garage, and approximately 2,383 square feet of total area complete this well-planned Gainesville home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,702
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$270
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.
$3,196 /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
$3,196/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
+37.4%
$/sqft vs Gainesville actives
$270 vs $198
Days on market
18 vs 75 typical
Where $270/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 Ridgeview
Get to know Gainesville. See the full Gainesville guide →
Ridgeview — neighborhood snapshot
Population
719
Median age
34
Median income
$61,423
Median home value
$207,038
Avg household
2
Households w/ children
63%
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)
245 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 85% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3518 NW 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 · Nov ’25$140,000
1935 NW 33RD AVENUE · same community
3 bd · 1.5 ba · 1,138 sqft · $123/sqft · 76 DOM
Sold · Nov ’25$63,000
3418 NW 20TH STREET · same community
3 bd · 1 ba · 1,137 sqft · $55/sqft · 43 DOM
Sold · Oct ’25$325,000
1331 NW 21ST AVENUE
3 bd · 2 ba · 1,724 sqft · $189/sqft · 37 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3518 NW 20TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3518 NW 20TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3518 NW 20TH STREET FAQs
What would the monthly payment be for 3518 NW 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,196/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 3518 NW 20TH STREET?+
The most recent tax bill on record (2025) was $1,506. 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 3518 NW 20TH STREET?+
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 $459,900, this home is listed about 61% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3518 NW 20TH STREET?+
Glen Springs 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 KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Mo Hatami. MLS #GC543651.
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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