642 20TH STREET, ORLANDO, FL, 32805
Active2 days on marketListed Aug 12, 2026MLS #O6432948
About this home
642 20TH STREET
Set in Orlando's 32805 neighborhood, 642 20th St keeps shopping, major roads, theme parks, and the airport all within easy reach. This new listing brings together a handy address and a fresh, recently updated interior, making it a smart pick for anyone ready to settle into simple Florida living. Step through the door and take in 908 square feet of bright, comfortable space. Luxury vinyl flooring runs throughout, tying every room together with a clean, cohesive look while keeping upkeep refreshingly easy. The recent updates give the home a crisp, move-in ready feel, so you can unpack and start enjoying it right away. Two bedrooms offer cozy spots to rest and recharge, with the primary bedroom serving as a peaceful retreat at the end of a long day. The second bedroom flexes just as easily for guests, a growing family, or a quiet home office. A well-placed full bathroom keeps busy mornings running smoothly and adds everyday convenience. The layout flows naturally from one space to the next, adapting to relaxed weeknights or casual get-togethers with equal ease. Compact yet welcoming, this home strikes a smart balance between low-maintenance living and thoughtful design—ideal for first-time buyers, downsizers, or investors alike. Even better, the seller is offering up to $7,000 in incentives, making this opportunity all the more appealing. With its prime location, tasteful updates, and turnkey condition, this Orlando charmer checks every box. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
908
Sqft
0.17 ac
Lot size
1
Garage
1951
Year built
One
Levels
$263
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.
$1,689 /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
$1,689/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
−32.4%
$/sqft vs Orlando actives
$263 vs $248
Days on market
2 vs 42 typical
Where $263/sqft sits among the 400 Orlando 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 Orlando
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
ORLANDO 32805 — neighborhood snapshot
Population
18,085
Median age
46.8
Median income
$39,425
Median home value
$226,100
Avg household
2.44
Households w/ children
1,335
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
206 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the ORLANDO 32805 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 642 20TH STREET
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$140,000
642 20TH STREET · same community
2 bd · 1 ba · 908 sqft · $154/sqft · 20 DOM
Sold · Jan ’26$244,900
613 20TH STREET · same community
3 bd · 2 ba · 1,128 sqft · $217/sqft · 253 DOM
Sold · Sep ’25$399,000
603 20TH ST · same community
4 bd · 2.5 ba · 1,851 sqft · $216/sqft · 4 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 642 20TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 642 20TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
642 20TH STREET FAQs
What would the monthly payment be for 642 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,689/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 642 20TH STREET?+
The most recent tax bill on record (2025) was $192. 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 642 20TH STREET?+
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 Orlando?+
At $239,000, this home is listed about 38% below the Orlando median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 642 20TH STREET?+
Rock Lake Elementary (elementary), Jones High (high), Carver Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Paul Bryant. MLS #O6432948.
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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