David Ramirez
$575,000$599,9003 bd2 ba1,962 sqft$293 /sqft$4,099 /mo all-in ↓

521 NE 6TH STREET, GAINESVILLE, FL, 32601

Active110 days on marketListed Apr 15, 2026MLS #GC539480

Reduced $25KSingle Family ResidenceN/A

About this home

521 NE 6TH STREET

Back on market - no fault of Seller! FEATURED IN THE NEW YORK TIMES! A rare offering in the heart of Duckpond, this early 1900s home blends classical architecture with intentional moments of whimsy, creating a home that feels both grounded in history and playfully alive. Hot water heater replaced in 2023, Roof replaced in 2018, Re-piped in 2016, HVAC 2012, updated electrical systems, and termite bond in place! Framed by a bespoke wooden archway and surrounded by intentional landscaping, 521 NE 6th Street is as much an experience as it is a home. With roots tracing back to the early 1900s, and possibly earlier, this property carries a story few homes can offer. Once associated with prominent Gainesville families, including Abraham Pepper, it has long been a place of gathering, conversation, and community. From its early days on what was once N. Franklin Street to today, its legacy continues in both its presence and preservation. Step through the front door, and you’re immediately drawn into a warm, inviting living space anchored by the original limestone and marble fireplace. From here, your eye travels effortlessly through the dining room, into the kitchen, and out to the back patio beyond, a layout that feels both open and intentional. To your left, a striking blue staircase introduces a bold moment of contrast, while just beyond, a light-filled sunroom offers a peaceful retreat. The dining room is accented with custom built-ins that feel as though they’ve always belonged. Nearby, a tucked-away flex space, currently a playroom, offers versatility and could just as easily be an office or reading nook. This space also provides access to a conveniently placed downstairs bathroom, ideal for both daily living and guests. The newly renovated kitchen is a designer’s dream. Reform oak cabinetry, Müller Van Severen HDPE countertops, and checkered cement tile create a palette that feels both grounded and modern. A suite of Fisher & Paykel appliances, including an induction range and integrated dishwasher, is seamlessly woven into the design. Whimsical moments appear in all the right places, with thoughtfully chosen colors and finishes that create statement pieces without overwhelming the space, adding personality to the home’s overall design. Upstairs, three bedrooms and a bath sit beneath softly angled ceilings, where dormer windows bring in light at unexpected angles. Built-in bookcases add both detail and function, while one room offers attic access, extending the home’s sense of possibility. Throughout, the finishes feel quiet but deliberate, like skim-coated walls, fresh interior paint, and refinished floors (2023), paired with a curated selection of lighting from Gubi, HAY, Raw Color, and Dioscuri, along with trimless recessed fixtures that allow the architecture to remain the focus. Microcement in the bathroom and sunroom adds a soft, tactile contrast to the home’s historic bones. Step outside, and the home continues to reveal itself in layers. The yard unfolds as a series of spaces to gather, to garden, to linger. Arborvitae and birds of paradise will grow into a lush, natural enclosure over time, offering both privacy and presence. At the rear, a garage/workshop with an additional enclosed space invites possibility for a studio, workspace, or future ADU. Homes like this are rarely available. Schedule your private showing and experience 521 NE 6th Street for yourself.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,962

Sqft

0.2 ac

Lot size

1

Garage

1920

Year built

Two

Levels

$293

Per sqft

FireplaceTrees/Woods view

Inside

FlooringTile · Hardwood
AppliancesDryer · Range · Refrigerator · Washer
InteriorBuilt-in Features · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionOther · Stucco
FoundationSlab
ViewTrees/Woods
FacesWest
ParkingGarage Faces Rear
ExteriorAwning(s) · Courtyard · Irrigation System · Private Yard · Sidewalk · Storage

Community & fees

Taxes (2025)$7,454/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,099 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,103
PMI (est., until 20% equity)$216
Property tax — 2025 actual bill$621
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,500Loan30-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% · $57,500
Interest rate6.00%
Loan term

Estimated payment

$4,099/mo

Principal & interest$3,103
PMI (est., until 20% equity)$216
Property taxes (actual bill)$621
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.

List $575K
$394KedgeAI estimate $469,110 · range $410K$646K$671K

vs edgeAI estimate

+22.6%

$/sqft vs N/A

$293 vs $284

Days on market

110 vs 36 typical

Where $293/sqft sits among the 245 homes for sale in N/A

141 · this home
47
28
7
6
16
$131–300$300–469$469–638$638–807$807–976$976+

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 Duckpond

Map of 521 NE 6TH STREET inside its neighborhood boundary

Get to know Gainesville. See the full Gainesville guide →

Duckpond — neighborhood snapshot

Population

2,453

Median age

41

Median income

$99,525

Median home value

$300,470

Avg household

2

Households w/ children

430

For the school run

Alachua County School District

ElementaryW. A. Metcalfe Elementary School★★★★★
HighGainesville High School★★★★★
MiddleWestwood Middle 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)

110 of 245

N/A have cut their price

Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 130% above the GAINESVILLE 32601 median. See the full Gainesville market guide →

Paper trail

This home's history

CurrentPrice reduced to $575,000 $25K
Apr 15, 2026Listed at $599,900 · 110 days on market since
1920Built · N/A

Reality check

What actually sold near 521 NE 6TH STREET

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

1489 COUNTY ROAD 228Sold · Dec ’25

$384,900

1489 COUNTY ROAD 228 · same community

3 bd · 2 ba · 2,097 sqft · $184/sqft · 137 DOM

12112 CR 727Sold · Dec ’25

$375,000

12112 CR 727 · same community

3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM

29655 SE 152ND (RAVENSWOOD) PLACESold · Dec ’25

$485,000

29655 SE 152ND (RAVENSWOOD) PLACE · same community

3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 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 521 NE 6TH 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 521 NE 6TH 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

521 NE 6TH STREET FAQs

What would the monthly payment be for 521 NE 6TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,099/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 521 NE 6TH STREET?+

The most recent tax bill on record (2025) was $7,454. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Gainesville?+

At $575,000, this home is listed about 95% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.

Which schools are assigned to 521 NE 6TH STREET?+

W. A. Metcalfe Elementary School (elementary), Gainesville High School (high), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$575,000 runs 130% above the GAINESVILLE 32601 median — but at 1,962 sqft it's also 35% larger than the typical Gainesville listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

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

04The price has already moved

Listed at $599,900, now $575,000 — a $25K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Jonathan Mills. MLS #GC539480.

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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