3970 SW 20TH AVENUE UNIT 912, GAINESVILLE, FL, 32607
Active155 days on marketListed Mar 4, 2026MLS #GC538025
About this home
3970 SW 20TH AVENUE UNIT 912
Experience the comfort and convenience offered in this well-maintained spacious two-story end-unit condo at Kensington North, perfectly positioned for the University of Florida and Gainesville community. This home offers the ultimate privacy with no neighbors above or below you, located just minutes from the UF, Shands, I-75, and premier shopping and dining. The main level features an open-concept living and dining area highlighted by upgraded flooring throughout. The functional kitchen includes a convenient dining and serving bar that overlooks the living space, along with a half-bath and a utility room equipped with a full-size washer and dryer. Upstairs, you will find two generous bedrooms, each with its own private en-suite bathroom. Residents enjoy an array of community amenities including a sparkling pool, a gym, and a clubhouse featuring a pool table. Convenience is at your doorstep with a bus stop directly outside the complex providing easy access to campus, while the monthly association fee covers internet, pest control, and exterior maintenance. This move-in-ready gem is an incredible opportunity for anyone looking to be close to the heart of Gainesville.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,176
Sqft
0.01 ac
Lot size
2002
Year built
Two
Levels
$160
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.
$1,647 /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
$1,647/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
−0.3%
$/sqft vs KENSINGTON PARK
$160 vs $265
Days on market
155 vs 45 typical
Where $160/sqft sits among the 6 homes for sale in KENSINGTON PARK
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 Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32607 — neighborhood snapshot
Population
31,938
Median age
26.9
Median income
$46,517
Median home value
$297,800
Avg household
2.2
Households w/ children
2,649
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 → $322K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
1 of 6
KENSINGTON PARK have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the GAINESVILLE 32607 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3970 SW 20TH AVENUE UNIT 912
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$163,000
3860 SW 20TH AVENUE UNIT 1801 · same community
2 bd · 2.5 ba · 1,176 sqft · $139/sqft · 96 DOM
Sold · Jul ’26$329,000
3404 MONICA PARKWAY · same community
3 bd · 2 ba · 1,198 sqft · $275/sqft · 3 DOM
Sold · Jun ’26$301,900
4131 PRUDENCE DRIVE · same community
2 bd · 2 ba · 1,145 sqft · $264/sqft · 3 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 3970 SW 20TH AVENUE UNIT 912 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 SW 20TH AVENUE UNIT 912 — 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
3970 SW 20TH AVENUE UNIT 912 FAQs
What would the monthly payment be for 3970 SW 20TH AVENUE UNIT 912?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,647/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 3970 SW 20TH AVENUE UNIT 912?+
The most recent tax bill on record (2025) was $3,563. 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 3970 SW 20TH AVENUE UNIT 912?+
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 $188,000, this home is listed about 36% below the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 SW 20TH AVENUE UNIT 912?+
Lawton M. Chiles Elementary School (elementary), Fort Clarke Middle School (middle), F. W. Buchholz 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
01Time on market is leverage
155 days on market against a Gainesville median of 45 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Lawton M. Chiles Elementary School, Fort Clarke Middle School, F. W. Buchholz High School — Lawton M. Chiles Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $199,500, now $188,000 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP- TIOGA · Eric Ascher. MLS #GC538025.
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 3970 SW 20TH AVENUE UNIT 912 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 →