106 SW 38TH STREET, GAINESVILLE, FL, 32607
Active90 days on marketListed May 5, 2026MLS #GC539852
About this home
106 SW 38TH STREET
Rare Opportunity Near the University of Florida! This spacious one-story concrete block home offers the perfect combination of classic character, modern updates, and incredible investment potential. Built in 1963 and situated on a large .64-acre corner lot shaded by beautiful mature oak trees, the property includes the possibility of a separate additional lot for another home or future development opportunity. Inside, you’ll find over 3,500 square feet of total area featuring 5 bedrooms and 3 remodeled bathrooms, providing plenty of room for a large family, multi-generational living, or rental flexibility. Real hardwood floors run throughout much of the home, adding warmth and timeless appeal. The spacious kitchen offers an abundance of storage cabinets and workspace for everyday living and entertaining. Outdoor living shines with an impressive 40’ x 20’ screened swimming pool, perfect for relaxing, hosting gatherings, or enjoying Florida living year-round. Additional highlights include a new roof, oversized 2-car garage, and a highly desirable location close to the University of Florida, shopping, bus routes, and the UF football stadium. Whether you are searching for a spacious family residence, game-day retreat, or outstanding investment opportunity, this unique property offers endless possibilities in one of Gainesville’s most convenient locations.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,738
Sqft
0.64 ac
Lot size
2
Garage
1963
Year built
One
Levels
$200
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.
$4,484 /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
$4,484/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.
$/sqft vs Gainesville actives
$200 vs $198
Days on market
90 vs 36 typical
Where $200/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 Sugar Foot
Get to know Gainesville. See the full Gainesville guide →
Sugar Foot — neighborhood snapshot
Population
954
Median age
65
Median income
$114,889
Median home value
$281,515
Avg household
2
Households w/ children
31%
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)
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 192% above the GAINESVILLE 32607 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 106 SW 38TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$418,000
3920 SW 1ST AVENUE · same community
4 bd · 2 ba · 2,012 sqft · $208/sqft · 20 DOM
Sold · Dec ’25$284,000
3837 SW 1ST AVENUE · same community
3 bd · 1 ba · 1,246 sqft · $228/sqft · 22 DOM
Sold · Apr ’26$475,000
801 NW 37TH DRIVE
4 bd · 3 ba · 2,696 sqft · $176/sqft · 1 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 106 SW 38TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 106 SW 38TH 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.
Straight answers
106 SW 38TH STREET FAQs
What would the monthly payment be for 106 SW 38TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,484/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 106 SW 38TH STREET?+
The most recent tax bill on record (2025) was $10,201. 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 106 SW 38TH 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 $548,900, this home is listed about 86% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 106 SW 38TH STREET?+
Littlewood Elementary School (elementary), Westwood Middle School (middle), Gainesville High School (high) — 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
$548,900 runs 192% above the GAINESVILLE 32607 median — but at 2,738 sqft it's also nearly twice 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
90 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 $558,500, now $548,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PROFESSIONALS · Robert Ryczek. MLS #GC539852.
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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