3041 SW 20TH STREET, OCALA, FL, 34474
Active226 days on marketListed Mar 11, 2026MLS #TB8485579
About this home
3041 SW 20TH STREET
Southern Pines is a well-maintained two-story apartment community featuring 8 spacious townhome-style units. Each residence offers a 2-bedroom, 2.5-bath layout with living areas downstairs and private bedrooms upstairs, in-unit washer and dryer, full kitchens, and newer central A/C systems. Built in 1982 on just under half an acre, the property is separately metered for water and electric. Located directly across from the College of Central Florida and minutes from major retail and dining, Southern Pines benefits from strong rental demand and everyday convenience. With assigned parking, included lawn care and trash service, and a highly functional layout, the property presents a stable investment opportunity with long-term upside.
Facts & features
The home at a glance
16
Bedrooms
8,450
Sqft
0.44 ac
Lot size
1982
Year built
$139
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.
$9,062 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$9,062/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$139 vs $177
Days on market
226 vs 64 typical
Where $139/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34474 — neighborhood snapshot
Population
20,497
Median age
38.4
Median income
$62,150
Median home value
$177,800
Avg household
2.39
Households w/ children
2,288
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)
195 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 321% above the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
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 3041 SW 20TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3041 SW 20TH STREET — 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
3041 SW 20TH STREET FAQs
What would the monthly payment be for 3041 SW 20TH STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $9,062/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 3041 SW 20TH STREET?+
The most recent tax bill on record (2025) was $12,805. 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 Ocala?+
At $1,175,000, this home is listed about 292% above the Ocala median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3041 SW 20TH STREET?+
Saddlewood Elementary School (elementary), West Port High School (high), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,175,000 runs 321% above the OCALA 34474 median — but at 8,450 sqft it's also nearly 5 times the size of the typical Ocala listing.
02Time on market is leverage
226 days on market against a Ocala median of 64 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $1,200,000, now $1,175,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Tito Urbano Perez. MLS #TB8485579.
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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