2409 SW 20TH TERRACE, OCALA, FL, 34471
Active83 days on marketListed May 15, 2026MLS #OM724569
Come see it
Upcoming open house
Sun, Aug 9
10:00 AM – 1:00 PM
About this home
2409 SW 20TH TERRACE
Spacious, well-kept, and perfectly positioned in SW Ocala, this villa offers the ideal blend of comfort, convenience, and value. Featuring 3 bedrooms, 2.5 baths, laminate and tile flooring, a 2-car garage, and a roof replaced in 2022, this home delivers the space buyers want and the updates they appreciate. The association maintains the exterior and grounds, creating a low-maintenance lifestyle that is hard to beat. Located close to shopping, restaurants, medical facilities, and daily conveniences. Now price improved, making this an even better opportunity for you!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,879
Sqft
0 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$149
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.
$2,310 /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
$2,310/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.
$/sqft vs Ocala actives
$149 vs $187
Days on market
83 vs 49 typical
Where $149/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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
162 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 8% below the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 2409 SW 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 · Jun ’26$188,000
2404 SW 20TH TERRACE · same community
3 bd · 2 ba · 1,335 sqft · $141/sqft · 269 DOM
Sold · Apr ’26$368,000
411 SW 36TH PLACE
3 bd · 2 ba · 1,910 sqft · $193/sqft · 35 DOM
Sold · Aug ’25$320,000
4004 SW 6 AVENUE
3 bd · 2 ba · 1,846 sqft · $173/sqft · 138 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2409 SW 20TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2409 SW 20TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2409 SW 20TH TERRACE FAQs
What would the monthly payment be for 2409 SW 20TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,310/mo — principal and interest, the actual property-tax bill, the $170/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 2409 SW 20TH TERRACE?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2409 SW 20TH TERRACE?+
The most recent tax bill on record (2025) was $2,497. 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 2409 SW 20TH TERRACE?+
The listing reports pets: 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 Ocala?+
At $279,900, this home is listed about 6% below the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 2409 SW 20TH TERRACE?+
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
Three things that matter here
01Under the OCALA 34471 market on paper
$279,900 is 8% below the OCALA 34471 median of $304,900, and at $149/sqft it sits under the Ocala average of $206.
02Strong 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.
03The price has already moved
Listed at $295,000, now $279,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROBB HARRISON REALTY INC · Robb Harrison. MLS #OM724569.
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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