2645 SW 20TH CIRCLE, OCALA, FL, 34471
Active6 days on marketListed Oct 6, 2026MLS #OM733443
About this home
2645 SW 20TH CIRCLE
CLICK ON THE VIDEO TOUR.....Welcome Home to this spacious 4 Bedroom 2 Bath home in the Coveted Quaint neighborhood of "Lake View Village". Location is key. Just off "Easy Street" within 5 minutes to Shopping, Dining and Medical facilities. The Open Floor Plan is sure to please with this Cozy Comfortable Living Room/ Dining Room Combo PLUS a bonus Den. The eat in Kitchen has Solid Wood Cabinets, SS Appliances and Corian Counters. Entertain our back in the Covered Screened Lanai overlooking the wrought Iron Fenced back yard. Your Pooch will love it!!! Retreat to the Primary Bedroom and enjoy the ensuite Bathroom featuring dual Sinks, Glassed Shower, Soaking Tub and Walk In Closet. The Big ticket items have recently been done. Roof 2024, HVAC 2020. Don't sweat the heat , the HOA cuts your lawn. Community amenities include an Olympic size Pool, Tennis Courts, Fitness Room, Library & Community Ballroom for events . Enjoy the Florida Lifestyle tucked away in this Quiet and Private GREAT neighborhood where Pride of Ownership is evident.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,874
Sqft
0.16 ac
Lot size
2
Garage
2004
Year built
One
Levels
$154
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.
$2,403 /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
$2,403/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
−12.7%
$/sqft vs Ocala actives
$154 vs $180
Days on market
6 vs 74 typical
Where $154/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 → $284K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
222 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 2645 SW 20TH CIRCLE
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$264,900
2602 SW 20TH CIRCLE · same community
3 bd · 2 ba · 1,416 sqft · $187/sqft · 24 DOM
Sold · Sep ’26$384,900
500 SW 43RD PLACE
5 bd · 2 ba · 1,894 sqft · $203/sqft · 0 DOM
Sold · Apr ’26$368,000
411 SW 36TH PLACE
3 bd · 2 ba · 1,910 sqft · $193/sqft · 35 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 2645 SW 20TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2645 SW 20TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2645 SW 20TH CIRCLE FAQs
What would the monthly payment be for 2645 SW 20TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,403/mo — principal and interest, the actual property-tax bill, the $233/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 2645 SW 20TH CIRCLE?+
The association fee works out to $233 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2645 SW 20TH CIRCLE?+
The most recent tax bill on record (2025) was $2,171. 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 2645 SW 20TH CIRCLE?+
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 Ocala?+
At $289,000, this home is listed about 3% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 2645 SW 20TH CIRCLE?+
Shady Hill Elementary School (elementary), Liberty Middle School (middle), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DESIREE BARBAZON REALTY · Desiree Barbazon. MLS #OM733443.
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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