4400 SW 20TH AVENUE, Ocala, FL, 34471 | $922,000

Experience refined living in one of Ocala’s most sought-after gated enclaves at 4400 Southwest 20th Avenue. Elegance and privacy define this custom residence, ideally situated on a quiet corner lot of just over one acre in the exclusive gated enclave of Oak Creek Caverns. Encompassing approximately 3, 627 square feet of living area, the five-bedroom, three-and-one-half-bath home blends timeless craftsmanship with modern comfort, creating a distinguished retreat minutes from the conveniences of State Road 200. A stately entry introduces spacious interiors designed for both everyday living and entertaining. The open-concept kitchen has been thoughtfully renovated with quartz countertops, custom wood cabinetry, and a large 14-foot center island with seating. The adjoining breakfast nook provides a welcoming space for casual meals, framed by natural light and garden views. The family room features high ceilings and a set-back media wall, while the main living area includes a 12-foot built-in bar and expansive bi-fold glass doors that open to the covered porch. The seamless indoor-outdoor connection invites relaxation and entertaining against a backdrop of mature landscaping and a lush, private backyard. The primary suite offers a spacious bedroom with a sitting area, walk-in closet, and a recently completed bath showcasing elegant finishes and a spa-inspired layout. Additional bedrooms are well appointed and versatile, providing options for guests, home office space, or a media room. Recent improvements enhance both style and efficiency, new fiber cement siding, all new windows and doors throughout the home, new roof with skylights and engineered hardwood flooring throughout the home, as well as fresh interior paint. Every detail reflects thoughtful design and pride of ownership.  Oak Creek Caverns is a gated and fully fenced community offering an unparalleled sense of privacy and peace. Its location provides rare convenience, positioned near premier schools such as Blessed Trinity High School, and minutes from shopping, dining, and healthcare options. Despite its proximity to amenities, the setting feels secluded and tranquil, creating the best of both worlds for those seeking refined living within reach of everything Ocala offers.

Features

  • Amenities: Gated
  • Rooms: 13
  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Lot Size: 183 x 245
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 1987
  • Garage: 2-car Garage Door Opener, Garage Faces Side, Ground Level, Parking Pad
  • Heating: Electric
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 3,627
  • Acreage: 1.03
  • Lot Size: 183 x 245
  • Est. Taxes: $6,724
  • HOA Fee: $366 Monthly
  • Lot Desc: Corner Lot
  • Pet Policy: Yes
  • Appliances: Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Touchless Faucet, Washer, Water Filtration System, Water Purifier, Wine Refrigerator
  • MLS#: OM716762
  • Days on Market: 38 days
  • Website: https://www.raveis.com
    /prop/OM716762/4400sw20thavenue_ocala_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/6/2026 10:07:30 PM)
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY   Phone: 352-509-6455

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4400 SW 20TH AVENUE, Ocala, FL, 34471

$922,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $737,600 $737,600 $737,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.130% 5.984% 5.912%
Monthly Tax Payment $560 $560 $560
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,188 $4,363 $6,125
Total Monthly Payment $4,840 $5,015 $6,777

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.