3853 SW 107TH TERRACE, GAINESVILLE, FL, 32608
Pending132 days on marketListed Mar 24, 2026MLS #GC538702
About this home
3853 SW 107TH TERRACE
Under Construction. The Monica floor plan is a masterclass in modern luxury, blending expansive spaces with thoughtful details that make daily living a pleasure. Spanning an impressive 3,488 square feet, this one-story home offers four bedrooms, four and a half baths, and a four-car garage. Every corner of this home is designed for both comfort and sophistication, making it ideal for families who appreciate the finer things.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,477
Sqft
0.28 ac
Lot size
4
Garage
2026
Year built
One
Levels
$334
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.
$7,141 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,141/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs OAKMONT
$334 vs $301
Days on market
132 vs 36 typical
Where $334/sqft sits among the 9 homes for sale in OAKMONT
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 32608 — neighborhood snapshot
Population
53,966
Median age
30.2
Median income
$60,182
Median home value
$340,200
Avg household
2.3
Households w/ children
4,332
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
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
6 of 9
OAKMONT have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 423% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3853 SW 107TH TERRACE
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$1,060,031
10909 SW 38TH PLACE · same community
5 bd · 5 ba · 3,477 sqft · $305/sqft · 0 DOM
Sold · Oct ’25$1,113,055
3710 SW 107TH · same community
4 bd · 3.5 ba · 3,574 sqft · $311/sqft · 0 DOM
Sold · Apr ’26$857,000
3602 SW 118TH DRIVE · same community
4 bd · 3.5 ba · 3,205 sqft · $267/sqft · 0 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 3853 SW 107TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3853 SW 107TH TERRACE — 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
3853 SW 107TH TERRACE FAQs
What would the monthly payment be for 3853 SW 107TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,141/mo — principal and interest, the actual property-tax bill, the $8/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 3853 SW 107TH TERRACE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3853 SW 107TH TERRACE?+
The most recent tax bill on record (2025) was $3,330. 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 3853 SW 107TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,160,253, this home is listed about 293% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3853 SW 107TH TERRACE?+
Idylwild Elementary School (elementary), Kanapaha Middle School (middle), Eastside High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ICI SELECT REALTY · Ali Kargar. MLS #GC538702.
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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