David Ramirez
$799,999$879,0005 bd4.5 ba3,479 sqft$230 /sqft$5,907 /mo all-in ↓

3680 SW 86TH STREET, GAINESVILLE, FL, 32608

Active122 days on marketListed Apr 2, 2026MLS #GC538983

Reduced $79KPrivate poolSingle Family ResidenceHAILE PLANTATION UNIT 34 PH 6

About this home

3680 SW 86TH STREET

Majestic oaks and a scattering of palm trees provide the setting for this beautiful five bedroom 4 1/2 bath pool home in the Millington subdivision of Haile Plantation. The exterior is hardiboard, with stacked stone accents and a large bay window at the front of the home. New luxury vinyl plank flooring has just been installed in most of the house. As you enter the tiled foyer, there is a study to the right, with a high ceiling, a wide bay window and a large storage closet. The dining room is to the left of the entry foyer, with a high ceiling and windows that look out to the front yard. The formal living room has French doors that lead to the screened pool deck. The kitchen has wood cabinets, some with glass fronts, granite countertops, a central island and a long breakfast bar that can accommodate six for quick meals and snacks. The stainless-steel appliances include a side-by-side KitchenAid refrigerator/freezer, with a water and ice dispenser, a KitchenAid wall oven, with a microwave above, a KitchenAid dishwasher, and a double stainless-steel sink, with a gooseneck faucet. Adjacent to the kitchen is a light-filled breakfast area, surrounded by windows with a view of the pool. The family room has a soaring ceiling and a wood-burning fireplace, flanked on either side by cathedral-shaped windows and built-in storage cabinets. The principal bedroom has French doors that open onto the pool area. The adjacent bathroom has double sinks and vanities, a stall shower, an enclosed WC and an oval shaped jetted tub, with a glass block window above to usher in natural light. A huge walk-in closet provides ample hanging and shelf space on multiple racks. Three more bedrooms are on the first floor, with two sharing a Jack and Jill bath and one having its own private bath. The laundry room is conveniently located adjacent to these bedrooms and has a Kenmore washer and dryer, a large soaking sink, cabinets for storing cleaning supplies and a built-in ironing board. Stairs lead up to the fifth bedroom, which could also be a home office or playroom, with an expansive closet and a bathroom with a stall shower. Crown molding adds a note of elegance to the décor and most of the rooms have paddle fans and recessed can lighting. The screened pool and spa are surrounded by lush landscaping and views of the woods. The three-car garage offers additional storage space and the house has a new roof as of 2024 and a new HVAC unit installed in 2021. The extensive trail system and tree-lined streets of Haile Plantation provide many areas for walking and biking. The Village Center is conveniently located to Millington, for strolling, dining and shopping. Hawkstone Country Club offers several levels of membership for those interested in tennis, golf or the fitness center. The University of Florida, the UF Medical Center, North Florida Regional Medical Center and several parks and nature preserves are all with a short drive of Haile Plantation. SOME IMAGES HAVE BEEN VIRTUALLY STAGED.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,479

Sqft

0.59 ac

Lot size

3

Garage

2005

Year built

Two

Levels

$230

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Natural Gas

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab
FacesEast
ParkingGarage Door Opener
ExteriorFrench Doors · Rain Gutters

Community & fees

HOA fee$98/mo
Taxes (2025)$12,381/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Golf Carts OK · Golf · Park · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$5,907 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$1,032
HOA fee — from the listing$98
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $80,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $80,000
Interest rate6.00%
Loan term

Estimated payment

$5,907/mo

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property taxes (actual bill)$1,032
HOA / condo fee$98
Est. insurance$160

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 Gainesville actives

$230 vs $198

Days on market

122 vs 36 typical

Where $230/sqft sits among the 400 Gainesville actives

82
106
93
59 · this home
30
30
$128–162$162–195$195–228$228–262$262–295$295+

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 Haile Plantation

Map of 3680 SW 86TH STREET inside its neighborhood boundary

Get to know Gainesville. See the full Gainesville guide →

Haile Plantation — neighborhood snapshot

Population

5,843

Median age

48

Median income

$118,974

Median home value

$437,518

Avg household

2

Households w/ children

658

For the school run

Alachua County School District

MiddleKanapaha Middle School★★★★★
ElementaryKimball Wiles Elementary School★★★★★
HighF. W. Buchholz High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Gainesville market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$320K$312K

Gainesville median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

186 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 264% above the GAINESVILLE 32608 median. See the full Gainesville market guide →

Paper trail

This home's history

CurrentPrice reduced to $799,999 $79K
Apr 2, 2026Listed at $879,000 · 122 days on market since
2005Built · HAILE PLANTATION UNIT 34 PH 6

Reality check

What actually sold near 3680 SW 86TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3533 SW 87TH DRIVESold · Nov ’25

$1,075,000

3533 SW 87TH DRIVE · same community

4 bd · 4.5 ba · 3,999 sqft · $269/sqft · 127 DOM

3583 SW 87TH DRIVESold · Mar ’26

$985,000

3583 SW 87TH DRIVE · same community

5 bd · 4 ba · 4,406 sqft · $224/sqft · 89 DOM

4319 SW 86TH WAYSold · Sep ’25

$890,000

4319 SW 86TH WAY

4 bd · 3.5 ba · 3,502 sqft · $254/sqft · 56 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3680 SW 86TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3680 SW 86TH STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

3680 SW 86TH STREET FAQs

What would the monthly payment be for 3680 SW 86TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,907/mo — principal and interest, the actual property-tax bill, the $98/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 3680 SW 86TH STREET?+

The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3680 SW 86TH STREET?+

The most recent tax bill on record (2025) was $12,381. 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 3680 SW 86TH STREET?+

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 $799,999, this home is listed about 171% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3680 SW 86TH STREET?+

Kanapaha Middle School (middle), Kimball Wiles Elementary School (elementary), F. W. Buchholz High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$799,999 runs 264% above the GAINESVILLE 32608 median — but at 3,479 sqft it's also nearly 2 times the size of the typical Gainesville listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

122 days on market against a Gainesville median of 36 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Kanapaha Middle School, Kimball Wiles Elementary School, F. W. Buchholz High School — F. W. Buchholz High School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $879,000, now $799,999 — a $79K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER M.M. PARRISH REALTORS · Roslyn Levy. MLS #GC538983.

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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