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Active

Active·40 days on market

20536 NW 20th Terrace

Brooker, FL 32622

$499,007$202/sqftEst. $2,656/moMLS# 2090452

Beds

Baths

2,475

Sq Ft

2007

Built

Garage

Pool

About this home

Brooker

Sturdy concrete block home in Brooker, FL—just 20 minutes from Gainesville—offers modern elegance and peaceful country living. Set on a spacious lot, this move-in-ready retreat features a brand-new kitchen with stainless appliances, open-concept living, elegant dining room, stylish parlor, and sunlit living room. The primary suite boasts a coffered ceiling, spa-like bath with soaking tub, dual vanities, and walk-in shower. Additional bedrooms provide comfort for family or guests. Enjoy a dedicated office nook, new water pump, and endless outdoor possibilities for gardening or entertaining. Experience the perfect blend of modern upgrades and timeless charm in this North Florida home. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$499,007

Down Payment: 20%

$99,801

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,521

Principal & Interest: $2,521

Est. Taxes & Insurance: $630

Estimated Total Monthly

$3,151

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,656

HOAbilled annually$17

Estimated total, before insurance$2,673/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,750 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 5, 2026Listed$499,007

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,007

Price / Sq Ft$202

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,475

Acres5.09 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address20536 NW 20th Terrace, Brooker, FL 32622

Area793-Lacrosse-West Of CR-231

SubdivisionMetes & Bounds

CityBrooker

CountyAlachua

StateFL

Zip Code32622

Lot Size221,720.4 sq ft

Parcel Number07552010017

Amenities

UtilitiesElectricity Connected, Sewer Available, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingOther, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Other

AppliancesOther

HeatingNatural Gas

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit