4109 NW 43RD TERRACE UNIT 69, GAINESVILLE, FL, 32606
Active63 days on marketListed Jun 5, 2026MLS #GC540961
About this home
4109 NW 43RD TERRACE UNIT 69
FHA and VA approved! This beautifully maintained 3-bedroom, 2.5-bath townhome in Bellamy Forge offers the perfect combination of comfort, convenience, and low-maintenance living. Nestled in one of the area's most established neighborhoods, this home features updated laminate flooring throughout the main living areas and bedrooms, fresh interior paint, and no carpet. The spacious floor plan includes tastefully updated bathrooms with modern vanities, tile finishes, and glass shower doors. Custom window treatments and decorative shelving add character throughout the home. The immaculate garage, previously used as a workshop, also houses the laundry area and provides ample storage space. Major updates include a new HVAC system and roof replacement, both completed in 2018, providing peace of mind for the next owner. Professional exterior wood repairs have also been completed, ensuring the home is truly move-in ready. Enjoy relaxing on the private, shaded back patio surrounded by a quiet setting. Bellamy Forge residents enjoy an impressive array of community amenities, including two swimming pools, a clubhouse, tennis courts, basketball and racquetball courts, playground, boat parking, scenic green spaces, a pond with fountain, and beautiful tree-lined streets. The HOA also covers water, trash service, pest control, exterior maintenance, and roof maintenance. Ideally located in the heart of the city, you'll be just steps from dining, shopping, and everyday conveniences, including Las Margaritas, Publix, Fresh Market, and Thornebrook Village. Outdoor enthusiasts will appreciate the close proximity to Devil's Millhopper Geological State Park and San Felasco Hammock Preserve State Park. With exceptional amenities, thoughtful updates, and an unbeatable location, this home offers easy living with everything at your fingertips.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,176
Sqft
0.02 ac
Lot size
1
Garage
1974
Year built
Two
Levels
$166
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 and the real association fee — not generic estimates.
$1,881 /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
$1,881/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
$166 vs $201
Days on market
63 vs 45 typical
Where $166/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 Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32606 — neighborhood snapshot
Population
23,313
Median age
41
Median income
$79,888
Median home value
$319,300
Avg household
2.2
Households w/ children
2,630
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
$294K → $322K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
180 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 39% below the GAINESVILLE 32606 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4109 NW 43RD TERRACE UNIT 69
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$191,240
4110 NW 44TH DRIVE UNIT 30 · same community
3 bd · 2.5 ba · 1,176 sqft · $163/sqft · 16 DOM
Sold · May ’26$155,000
4435 NW 41ST PLACE · same community
2 bd · 1.5 ba · 938 sqft · $165/sqft · 15 DOM
Sold · Apr ’26$131,250
4413 NW 41ST PLACE · same community
2 bd · 2 ba · 938 sqft · $140/sqft · 149 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 4109 NW 43RD TERRACE UNIT 69 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4109 NW 43RD TERRACE UNIT 69 — 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
4109 NW 43RD TERRACE UNIT 69 FAQs
What would the monthly payment be for 4109 NW 43RD TERRACE UNIT 69?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,881/mo — principal and interest, the actual property-tax bill, the $335/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 4109 NW 43RD TERRACE UNIT 69?+
The association fee works out to $335 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4109 NW 43RD TERRACE UNIT 69?+
The most recent tax bill on record (2025) was $1,827. 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 4109 NW 43RD TERRACE UNIT 69?+
The listing reports pets: Cats OK, 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 $195,000, this home is listed about 34% below the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4109 NW 43RD TERRACE UNIT 69?+
Hidden Oak Elementary School (elementary), Fort Clarke Middle School (middle), F. W. Buchholz High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the GAINESVILLE 32606 market on paper
$195,000 is 39% below the GAINESVILLE 32606 median of $317,450, and at $166/sqft it sits under the Gainesville average of $208.
02Strong assigned schools
Hidden Oak Elementary School, Fort Clarke Middle School, F. W. Buchholz High School — Hidden Oak Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $199,000, now $195,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHGRE THOMAS GROUP · Jonathan McMahon. MLS #GC540961.
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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