7745 NW 20TH WAY, GAINESVILLE, FL, 32609
Active79 days on marketListed May 15, 2026MLS #GC540359
About this home
7745 NW 20TH WAY
Motivated Seller!! Spacious 4BR/2.5BA corner lot home in Gainesville, FL near the University of Florida. This well-designed home features all bedrooms upstairs for added privacy, along with a versatile open bonus space perfect for a media room, office, or play area. Enjoy a functional layout, generous living areas, and a prime location close to UF, shopping, dining, and entertainment. Ideal for families, professionals, or investors seeking convenience and comfort in the heart of Gainesville. Schedule your private tour today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,198
Sqft
0.17 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$155
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.
$2,732 /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
$2,732/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
−23.2%
$/sqft vs Gainesville actives
$155 vs $197
Days on market
79 vs 36 typical
Where $155/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 Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32609 — neighborhood snapshot
Population
19,694
Median age
35.9
Median income
$48,121
Median home value
$174,500
Avg household
2.31
Households w/ children
1,692
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
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
186 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 70% above the GAINESVILLE 32609 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 7745 NW 20TH WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$285,000
2109 NW 77TH AVENUE · same community
3 bd · 2 ba · 1,255 sqft · $227/sqft · 5 DOM
Sold · Jun ’26$258,000
7840 NW 21ST WAY · same community
3 bd · 2 ba · 1,241 sqft · $208/sqft · 177 DOM
Sold · Nov ’25$252,500
2060 NW 76TH PLACE · same community
3 bd · 2 ba · 1,185 sqft · $213/sqft · 106 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 7745 NW 20TH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7745 NW 20TH WAY — 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
7745 NW 20TH WAY FAQs
What would the monthly payment be for 7745 NW 20TH WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,732/mo — principal and interest, the actual property-tax bill, the $43/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 7745 NW 20TH WAY?+
The association fee works out to $43 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7745 NW 20TH WAY?+
The most recent tax bill on record (2025) was $4,522. 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 7745 NW 20TH WAY?+
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 $339,999, this home is listed about 15% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 7745 NW 20TH WAY?+
Gainesville High School (high), Stephen Foster Elementary School (elementary), Westwood Middle School (middle) — Alachua 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
$339,999 runs 70% above the GAINESVILLE 32609 median — but at 2,198 sqft it's also 52% larger than the typical Gainesville listing.
02Time on market is leverage
79 days on market against a Gainesville median of 36 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $342,500, now $339,999 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ARIUM REAL ESTATE, LLC · Karisma Welcome. MLS #GC540359.
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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