10215 SW 98 TH AVENUE, GAINESVILLE, FL, 32608
Active206 days on marketListed Jan 13, 2026MLS #GC536341
About this home
10215 SW 98 TH AVENUE
Virtually Staged. Hammock Ridge.. A well kept 3 bedroom/2 bath, 1835 square foot home on a 1.74 acre lot, built in 2004. Ceramic tile and wood flooring through out. Open floor plan with high ceilings in the living and kitchen areas. Large primary bath with tile shower, 2 sinks, garden tub and 2 closets. A separate 952 SF DETACHED 3-car garage with large garage doors, electric, water available. Roof 2024, Hot Water Heater 2025, Refrig 3 years . Rolling garage door & fan in detached garage-AS IS, not warranted. Clay Electric utilities. Lot to the west has pine trees, Southside no home currently, to the East part of this property is in the retention area. The detached garage MAY BE TURNED INTO A ACCESSORY DWELLING UNIT (ADU). Must apply with county.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,835
Sqft
1.74 ac
Lot size
2
Garage
2004
Year built
One
Levels
$250
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 and the real association fee — not generic estimates.
$3,755 /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
$3,755/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
Right at the estimate
$/sqft vs Gainesville actives
$250 vs $201
Days on market
206 vs 44 typical
Where $250/sqft sits among the 400 Gainesville 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 Hammock Ridge
Get to know Gainesville. See the full Gainesville guide →
Hammock Ridge — neighborhood snapshot
Population
734
Median age
54
Median income
$90,168
Median home value
$261,400
Avg household
2
Households w/ children
26%
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$294K → $340K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
183 of 400
Gainesville actives have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 105% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 10215 SW 98 TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$365,000
9752 SW 102ND TERRACE · same community
3 bd · 2 ba · 1,563 sqft · $234/sqft · 70 DOM
Sold · Jun ’26$335,000
9567 SW 98TH AVENUE · same community
3 bd · 2 ba · 1,236 sqft · $271/sqft · 34 DOM
Sold · Jun ’26$365,000
7513 SW 85TH DRIVE
3 bd · 2 ba · 1,792 sqft · $204/sqft · 26 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10215 SW 98 TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10215 SW 98 TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10215 SW 98 TH AVENUE FAQs
What would the monthly payment be for 10215 SW 98 TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,755/mo — principal and interest, the actual property-tax bill, the $38/mo association fee 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.
How much are the HOA fees at 10215 SW 98 TH AVENUE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10215 SW 98 TH AVENUE?+
The most recent tax bill on record (2025) was $7,817. 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 10215 SW 98 TH AVENUE?+
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 Gainesville?+
At $459,000, this home is listed about 55% above the Gainesville median of $295,250. The market section on this page shows how the area is trending.
Which schools are assigned to 10215 SW 98 TH AVENUE?+
Archer Elementary (elementary), Oak View Middle School (middle), Newberry High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$459,000 runs 105% above the GAINESVILLE 32608 median — but at 1,835 sqft it's also 27% larger than the typical Gainesville listing.
02Time on market is leverage
206 days on market against a Gainesville median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $505,000, now $459,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Cheryl Hartley. MLS #GC536341.
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.
Never miss a listing
New Gainesville homes, in your inbox
Like 10215 SW 98 TH AVENUE but not quite? A daily digest of every new listing in Gainesville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →