A little farther than the 20 miles you mentioned but right at a 1 hour drive or less from The Villages are 2 courses that are bargins at this time of the year. Both are top 100 courses in the country.
Orange County National is home of the 2010 PGA Q (Qualifying) School. Links are below. The driving range at OCN is the largest in the country 43 acres. Orange County National is the #1 rated public course is Florida and the #2 rated public course in the USA. The rates are $51.00 for 18 with a cart Monday - Friday before 11:00 AM less after. Orange County National has two 18 hole championship courses and 1 par 3 course. What a golf facility.
Orange County National is just off the 429 Trunpike at the 2nd exit from the FL Turnpike. Less than an hour drive.
http://www.ocngolf.com/
World Woods is located in Brooksville FL about an hour from The Villages. It is a top 100 rated course in the USA. One nine is closed for the summer for maintaince. Current rate at World Woods is $40.00 with cart during the Summer.
http://worldwoods.com/
Information about World Woods.
http://www.worldwoods.com/world-wood...course-reviews
Both of these courses are well worth the drive. These are world class courses.