12525 NE 204TH TERRACE, WALDO, FL, 32694
Active57 days on marketListed Jun 8, 2026MLS #GC540782
About this home
12525 NE 204TH TERRACE
LAKEFRONT LIVING ON BEAUTIFUL SANTA FE LAKE! Don't miss this remodeled concrete block home with 100 feet of waterfront. Originally built in 1962, this charming home blends classic character with modern updates and exceptional outdoor living spaces. Features include luxury vinyl plank flooring, a beautifully updated kitchen with new cabinets, countertops and stainless steel appliances, shiplap bedroom accents adding coastal charm, remodeled bathroom, and a charming brick fireplace. You’ll enjoy the million-dollar views of Santa Fe Lake from numerous areas throughout. Outside, a new Trex deck and rebuilt wood dock provide the perfect setting for enjoying all that lakefront living has to offer. From boating, swimming, or entertaining, to simply relaxing and watching the sun rise and set, you’ll find this is the perfect spot to enjoy year-round lake life while still being convenient to Gainesville and surrounding areas.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,300
Sqft
0.76 ac
Lot size
1
Garage
1962
Year built
One
Levels
$458
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.
$4,024 /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
$4,024/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.
vs edgeAI estimate
+81.5%
$/sqft vs N/A
$458 vs $288
Days on market
57 vs 48 typical
Where $458/sqft sits among the 245 homes for sale in N/A
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 Waldo
Get to know Waldo. See the full Waldo guide →
WALDO 32694 — neighborhood snapshot
Population
1,870
Median age
58.9
Median income
$40,455
Median home value
$121,300
Avg household
1.87
Households w/ children
119
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Waldo market
$298K → $360K
Waldo median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
105 of 245
N/A have cut their price
Median sold price, Waldo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 194% above the WALDO 32694 median. See the full Waldo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12525 NE 204TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$900,000
9559 SE 177TH COURT · same community
2 bd · 2 ba · 1,344 sqft · $670/sqft · 10 DOM
Sold · Dec ’25$285,000
911 NW 33RD AVENUE · same community
3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM
Sold · Dec ’25$161,000
#12 SENDEROS DEL VALLE · same community
3 bd · 2 ba · 1,114 sqft · $145/sqft · 131 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 12525 NE 204TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12525 NE 204TH 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
12525 NE 204TH TERRACE FAQs
What would the monthly payment be for 12525 NE 204TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,024/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 12525 NE 204TH TERRACE?+
The most recent tax bill on record (2025) was $5,159. 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 Waldo?+
At $595,000, this home is listed about 83% above the Waldo median of $324,750. The market section on this page shows how the area is trending.
Which schools are assigned to 12525 NE 204TH TERRACE?+
Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$595,000 runs 194% above the WALDO 32694 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $625,000, now $595,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHGRE THOMAS GROUP · Laura Gunter. MLS #GC540782.
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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