220 SE 28TH AVENUE, OCALA, FL, 34471
Active255 days on marketListed Nov 21, 2025MLS #GC535611
About this home
220 SE 28TH AVENUE
***Seller Offering an Interest Rate Buydown with Acceptable Offer!*** Step into the charm of Main Street USA with this beautifully maintained mid-century modern 3 bedroom, 1 bath home offering 1,326 sq ft of inviting living space. Owned by a single family since it was originally built, this property blends timeless character with thoughtful updates. Inside, the home features a beautifully upgraded kitchen complete with quartz countertops, restored original birch cabinetry, and newer 2020 appliances, giving you the perfect balance of vintage personality and modern convenience. The interior showcases a blend of real wood floors and classic tile, enhancing the home’s mid-century charm. Each of the three bedrooms is generously sized, and the oversized closet in the third bedroom is already plumbed for a future bathroom conversion, offering an exciting opportunity to add value and functionality. Key updates include a newer roof and a 2017 HVAC system, offering peace of mind for years ahead. Step outside to your private oasis: a large, well-landscaped, fully fenced yard filled with mature camellia, grapefruit, satsuma, and hickory trees, along with indigenous flowering foliage that adds year-round beauty. A spacious wood deck creates the ideal setting for outdoor entertaining, family gatherings, or simply enjoying quiet sunsets. With no neighbor behind the property, privacy comes naturally. A storage shed provides extra convenience for tools, hobbies, or outdoor gear. Located adjacent to the historic district and only 5 minutes from “The Square” in downtown Ocala, this home places you near shopping, dining, and cultural attractions. You’re also just minutes from two Publix shopping centers, making everyday errands a breeze. Situated in a golf cart–friendly neighborhood once part of a thriving pecan grove, the area offers a unique blend of history, charm, and modern livability. The home is also just a short walk or bike ride to local festivals and community events, giving you a true small-town lifestyle. No HOA means freedom and flexibility to enjoy your home your way. Full of character, upgrades, growth potential, and outdoor beauty, this mid-century treasure offers the perfect blend of nostalgia, privacy, and modern living.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,326
Sqft
0.32 ac
Lot size
1956
Year built
One
Levels
$207
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.
$2,034 /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
$2,034/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
+34.6%
$/sqft vs Ocala actives
$207 vs $184
Days on market
255 vs 43 typical
Where $207/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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
145 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 10% below the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 SE 28TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$216,000
746 SE 29TH TERRACE · same community
3 bd · 2 ba · 1,300 sqft · $166/sqft · 43 DOM
Sold · Jul ’26$185,000
201 SE 31ST AVENUE · same community
2 bd · 1 ba · 1,263 sqft · $146/sqft · 266 DOM
Sold · Dec ’25$195,000
106 NE 28TH AVENUE · same community
3 bd · 1 ba · 1,217 sqft · $160/sqft · 76 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 220 SE 28TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 SE 28TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
220 SE 28TH AVENUE FAQs
What would the monthly payment be for 220 SE 28TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,034/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 220 SE 28TH AVENUE?+
The most recent tax bill on record (2024) was $1,608. 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 $274,900, this home is listed about 8% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 220 SE 28TH AVENUE?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the OCALA 34471 market on paper
$274,900 is 10% below the OCALA 34471 median of $304,900.
02Time on market is leverage
255 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $309,000, now $274,900 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Gordon Weidler. MLS #GC535611.
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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