Central by design
Minutes to Paddock Mall, shopping, restaurants, and medical facilities, per listing descriptions of the community.
Neighborhood guide · Ocala, Florida
Cala Hills
Established, low-maintenance living in the heart of Ocala · Florida 34471
34471ZIP code · central Ocala
1980s–1990sMany homes built
1,300–1,600Typical villa square feet
3 bd / 2 baTypical villa layout
ClubhouseLarge community pool
CentralMinutes to Paddock Mall
Community overview
In-town, low-maintenance, and easy to love.
Cala Hills is an established, centrally located community in Ocala, ZIP 34471, around SW 20th Street — a mix of villas, patio homes, and single-family homes on streets including SW 20th Terrace, SW 20th Circle, and SW 20th Court.
Many homes were built in the 1980s and 1990s, on small fee-simple lots, and some back to conservation areas. Listings have described Cala Hills homes as a Florida winter home as well as a permanent home, and the low-maintenance, in-town setup has clear appeal for downsizers and winter residents — close to shopping, restaurants, and medical facilities, without a long drive across town.
Thinking of selling in Cala Hills?
Contact Jennifer for a current market evaluation of your home — pricing here varies by enclave, size, and condition, and recent examples span a wide range.
Low-maintenance villa living
Small fee-simple lots, and at least villa yards are mowed by the HOA, per listing copy — verify services for the specific home.
Clubhouse life
A clubhouse with a large community pool, fitness room, library, billiards, party halls, tennis, and racquetball.
An accessible price point
Recent examples include homes listed at $174,900 and $194,900, and a Lakeview Village sale at $289,000 — see the market panel below.
Inside Cala Hills
Find your fit inside Cala Hills.
Cala Hills is not one uniform product. Villas, patio homes, and single-family streets sit side by side, with an enclave of its own in Lakeview Village. Jennifer can walk you through which streets and home types match your budget, lifestyle, and timeline.
Lakeview Village
An enclave within Cala Hills — a sold listing described a standalone villa home there, with its own yard mowed by the HOA, that sold in December 2025.
Villa enclaves
Typical villas run about 1,300–1,600 square feet with 3 bedrooms, 2 baths, and a 1-car garage common — an easy, low-maintenance footprint.
Patio homes
Single-story patio homes on small fee-simple lots, with screened porches and Florida-room style spaces appearing in listing examples.
Single-family streets
Established single-family homes along streets such as SW 20th Terrace, SW 20th Circle, and SW 20th Court, many built in the 1980s–1990s.
Conservation-edge homes
Some homes back to conservation areas, adding a greener, quieter backdrop behind the lot.
The SW 20th Street core
The streets around SW 20th Street put Paddock Mall, shopping, restaurants, and medical facilities just minutes away.
Enclave details, HOA services, and dues vary by enclave — verify per home. Jennifer tracks current Cala Hills listings and can advise on current options.
Tour Cala HillsLifestyle & amenities
A clubhouse at the center of it all.
Cala Hills amenities, verified from MLS listing data, center on the clubhouse and the large community pool. HOA dues vary by enclave — verify per home, including what services are covered for the specific property.
Clubhouse
The social hub of the community, home to gatherings, activities, and event spaces.
Large community pool
A large community swimming pool at the clubhouse for laps, leisure, and Florida afternoons.
Fitness / exercise room
An exercise and fitness room at the clubhouse for everyday workouts close to home.
Library
A community library room for reading, borrowing, and quiet time at the clubhouse.
Billiards room
A dedicated billiards room — a classic clubhouse gathering spot.
Party & event halls
Party and event halls for celebrations, clubs, and community get-togethers.
Tennis courts
Community tennis courts in a leafy, shaded setting.
Racquetball courts
Racquetball courts round out the clubhouse sports offering.
Home styles
Villas, patio homes, and single-family comfort.
Cala Hills offers right-sized, single-story living in the middle of Ocala — established homes with mature trees, small yards, and, in some spots, conservation areas behind the lot.
VillasTypically about 1,300–1,600 sq ft, 3 bed / 2 bath, with a 1-car garage common
Patio homesSmall fee-simple lots and screened-porch living
Single-family homesEstablished streets around SW 20th Street, Terrace, Circle, and Court
Established buildsMany homes built in the 1980s–1990s — a 1989 villa is among the verified examples
Cala Hills by the numbers.
Pricing here is best understood through real examples, not averages — enclave, size, condition, and updates move the number a lot in an established community like this.
Recent examples in Cala Hills
$174,900 — 2401 SW 20th Ct, a 2026 active listing example. $194,900 — 2404 SW 20th Ter, a recent listing example. $289,000 — 2651 SW 20th Cir, Lakeview Village in Cala Hills, sold December 2025.
Examples are individual Stellar MLS listings, not median or average statistics, and are shown to illustrate the community’s accessible price point. Contact Jennifer for the latest listings and sales — updated from Stellar MLS data.
Why work with Jennifer
A Realtor since 2003 — and your financing resource, too.
Jennifer Hay has guided Ocala buyers and sellers since 2003. As a Broker Associate with Axen Realty and a Mortgage Loan Originator with NEXA Lending, she pairs neighborhood expertise with in-house financing guidance most agents can’t offer.
Two decades in Ocala
A Realtor since 2003, Jennifer knows Ocala’s established in-town communities — including what makes a right-sized villa or patio home a smart buy.
Real estate + mortgage, one call
As an MLO with NEXA Lending, she can walk qualified buyers through financing options alongside the home search — no handoffs, no guesswork.
Payment-first guidance
At Cala Hills price points, the monthly payment matters as much as the sticker price. Jennifer helps buyers compare both before they write an offer.
Financing paths worth exploring.
Jennifer can help qualified buyers compare mortgage options through NEXA Lending. The right program depends on the borrower, property, occupancy, income, credit and current guidelines, and borrowers may qualify for different options than they expect.
Conventional financing
Qualified buyers may choose from fixed- or adjustable-rate conventional options, with down-payment and mortgage-insurance requirements that vary by program; many Cala Hills buyers may qualify on this path.
FHA financing
Eligible buyers may qualify for FHA financing, which may offer a lower down-payment option for qualified borrowers and properties, subject to current guidelines.
VA financing
Eligible veterans, active-duty service members and certain surviving spouses may qualify for VA financing, which may include a zero-down-payment option.
Rate buydown options
Qualified buyers may explore a seller-paid rate buydown, where a seller credit may lower the initial monthly payment for a set period; terms vary and borrowers must qualify at the note rate where required.
Programs, rates, terms, loan limits and funding availability are subject to change. Not all borrowers, properties or communities will qualify. This information is not a commitment to lend, and it is not a commitment to lend for any specific borrower or property.
Ask Jennifer about financing
NEXA Lending · 5559 S Sossaman Rd, Bldg 1 #101 · Mesa, AZ 85212
Your Cala Hills contact
See Cala Hills with Jennifer.
Jennifer Hay · Axen Realty Broker Associate · NEXA Lending Mortgage Loan Originator
FL Real Estate License BK3150197 · NMLS ID 2612003 · REALTOR® since 2003 · Equal Housing Opportunity
Neighborhood guide prepared November 5, 2026