David Ramirez
$454,9004 bd3 ba2,291 sqft$199 /sqft$3,768 /mo all-in ↓

5514 NW 78TH LANE, GAINESVILLE, FL, 32653

Active51 days on marketListed Jun 4, 2026MLS #GC540875

Single Family ResidenceBLUES CREEK UNIT 3-B

Come see it

Upcoming open house

Sat, Jul 25

12:00 PM – 2:00 PM

About this home

5514 NW 78TH LANE

Don't miss this beautifully maintained 4-bedroom, 3-bath home plus dedicated office/study, featuring a private in-law suite and highly desirable 3-way split floor plan - with a 2022 ROOF. Designed for both privacy and flexibility, this home is nestled in the back of Blues Creek among mature trees and lush landscaping in one of Northwest Gainesville's most sought-after neighborhoods. Cathedral ceilings, bamboo and tile flooring, and separate living and dining spaces create a bright and inviting atmosphere. The triple-split floor plan provides exceptional separation between living areas and bedrooms, including a private in-law suite with its own full bath and direct access to the screened lanai—ideal for guests, multi-generational living, or extended stays. The dedicated office/study is privately situated away from the secondary bedrooms and features large windows and elegant French doors, creating a bright and quiet space ideal for working from home, studying, or pursuing hobbies. The kitchen is both functional and stylish, offering abundant cabinetry, expansive granite countertops, stainless steel appliances including a gas range, tile backsplash, pantry storage, a breakfast bar, and a charming built-in breakfast nook with bench seating and additional storage overlooking the backyard. The spacious owner's suite serves as a relaxing retreat, complete with dual vanities, a garden tub, glass-enclosed shower, and a large walk-in closet. Two additional guest bedrooms are situated on the opposite side of the home and share a full bath, enhancing the flexibility and privacy of the triple-split design. French doors open to a spacious screened lanai with tile flooring and a ceiling fan, creating the perfect setting for morning coffee or evening gatherings. Beyond, the fully fenced backyard offers a peaceful outdoor oasis shaded by mature trees and complemented by a versatile concrete patio ideal for grilling, entertaining, or simply unwinding. Additional features include a recently replaced HVAC system, indoor laundry room, and a two-car garage. Residents of Blues Creek enjoy access to community amenities including a clubhouse, swimming pool, and tennis courts. Conveniently located near shopping, dining, and outdoor recreation such as Devil's Millhopper Geological State Park, the home is also zoned for Talbot Elementary, Fort Clarke Middle School, and Gainesville High School. Offering space, flexibility, and valuable updates in one of Northwest Gainesville's most desirable neighborhoods, this is a home you won't want to miss. Call for an appointment

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,291

Sqft

0.37 ac

Lot size

2

Garage

2001

Year built

One

Levels

$199

Per sqft

Inside

FlooringBamboo · Tile
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Split Bedroom
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Natural Gas

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab
FacesEast
ExteriorFrench Doors · Irrigation System

Community & fees

HOA fee$40/mo
Taxes (2025)$8,268/yr
PetsDogs OK
CommunityClubhouse · Playground · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Fiber Optics · Public
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.

$3,768 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,678
FHA mortgage insurance (est.)$201
Property tax — 2025 actual bill$689
HOA fee — from the listing$40
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,922Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,922
Interest rate6.00%
Loan term

Estimated payment

$3,768/mo

Principal & interest$2,678
FHA mortgage insurance (est.)$201
Property taxes (actual bill)$689
HOA / condo fee$40
Est. insurance$160

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.

List $455K
$398KedgeAI estimate $425,768 · range $415K$433K$473K

vs edgeAI estimate

+6.8%

$/sqft vs Gainesville actives

$199 vs $197

Days on market

51 vs 36 typical

Where $199/sqft sits among the 400 Gainesville actives

75
112
77 · this home
66
29
41
$123–157$157–191$191–225$225–259$259–293$293+

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 Blues Creek

Map of 5514 NW 78TH LANE inside its neighborhood boundary

Get to know Gainesville. See the full Gainesville guide →

Blues Creek — neighborhood snapshot

Population

1,421

Median age

39

Median income

$103,304

Median home value

$317,600

Avg household

3

Households w/ children

173

For the school run

Alachua County School District

ElementaryWilliam S. Talbot Elementary School★★★★
MiddleFort Clarke Middle School★★★★★
HighGainesville 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)

184 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 65% above the GAINESVILLE 32653 median. See the full Gainesville market guide →

Paper trail

This home's history

Jun 4, 2026Listed at $454,900 · 51 days on market since
2001Built · BLUES CREEK UNIT 3-B

Reality check

What actually sold near 5514 NW 78TH LANE

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

5510 NW 80TH AVENUESold · Aug ’25

$415,000

5510 NW 80TH AVENUE · same community

4 bd · 3.5 ba · 2,090 sqft · $199/sqft · 49 DOM

6021 NW 57TH WAYSold · May ’26

$253,000

6021 NW 57TH WAY

4 bd · 2.5 ba · 2,290 sqft · $110/sqft · 12 DOM

6916 NW 67TH AVENUESold · Mar ’26

$684,500

6916 NW 67TH AVENUE

3 bd · 3.5 ba · 2,337 sqft · $293/sqft · 159 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 5514 NW 78TH LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5514 NW 78TH LANE — 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

5514 NW 78TH LANE FAQs

What would the monthly payment be for 5514 NW 78TH LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,768/mo — principal and interest, the actual property-tax bill, the $40/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 5514 NW 78TH LANE?+

The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5514 NW 78TH LANE?+

The most recent tax bill on record (2025) was $8,268. 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 5514 NW 78TH LANE?+

The listing reports pets: 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 $454,900, this home is listed about 54% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.

Which schools are assigned to 5514 NW 78TH LANE?+

William S. Talbot Elementary School (elementary), Fort Clarke Middle School (middle), Gainesville High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Gordon Weidler. MLS #GC540875.

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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