David Ramirez
$815,0004 bd4 ba3,294 sqft$247 /sqft$5,764 /mo all-in ↓

3915 SW 95TH TERRACE, GAINESVILLE, FL, 32608

Active40 days on marketListed Jun 26, 2026MLS #GC541181

Single Family ResidenceHAILE PLANTATION UNIT 33 PH I

About this home

3915 SW 95TH TERRACE

Virtually Staged. Nestled beneath a canopy of mature oaks in the sought-after Haile Plantation area, this timeless Southern Living-style estate blends classic architecture with elegant everyday living. Situated on an expansive 2/3-acre beautifully landscaped homesite in Albury Round, this custom residence offers exceptional curb appeal with its large front porch, stately columns, and welcoming brick staircase entry. Spanning 3,294 heated and cooled square feet, the thoughtfully designed floor plan features 4 bedrooms, 4 baths, great room, formal dining, a private study, and a versatile bonus room. Enter through the expansive foyer, flanked by a formal banquet-sized dining room adorned with a tray ceiling, wainscoting, and crown molding, and a handsome study featuring extensive custom built-ins, crown molding, and ample space for both work and relaxation. The heart of the home is the dramatic great room, highlighted by soaring two-story ceilings, gleaming wood floors, an electric fireplace framed by custom millwork and mantel, and an impressive Restoration Hardware chandelier. French doors open to the newly refurbished deck, creating seamless indoor-outdoor living. The kitchen features white cabinetry, a large center island with a 5-burner gas cooktop, double ovens, microwave, newer refrigerator and dishwasher, and opens to a spacious breakfast area with picturesque views of the park-like backyard and deck access. The downstairs primary suite is a private retreat, filled with natural light from numerous plantation-shuttered windows and featuring french doors to the deck. The oversized custom walk-in closet offers abundant built-in storage and drawer space. The primary bath includes dual vanities, a jetted tub, large walk-in shower, and private water closet. A full guest bath conveniently serves the main level. Upstairs, three generously sized bedrooms each offer walk-in closets. One bedroom enjoys a private en-suite bath and convenient laundry chute, while two additional bedrooms share a spacious adjoining bath. Completing the upper level is a bonus/media room featuring wood floors, an electric fireplace, floor-to-ceiling shelving, multiple storage closets, and a large screen television, creating the perfect space for movie nights, gaming, or relaxing with family and friends. Designed for entertaining and enjoying Florida’s natural beauty, the expansive deck overlooks the lush, park-like grounds and connects to a charming courtyard area and winding walkway leading to a large brick entertaining terrace at the rear of the property. Additional features include an inside laundry room and an oversized two-and-a-half-car garage with a dedicated golf cart bay. Recent updates provide peace of mind and include a new 2025 roof, two 2018 HVAC systems, and a newer tankless water heater. Ideally positioned near Hawkstone Country Club with premier golf, as well as two Haile Villages with dining and boutique shopping. Located near top-rated schools, the University of Florida, and UF Health, this is a rare opportunity to own a signature residence that embodies the very best of classic southern living in Gainesville.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,294

Sqft

0.65 ac

Lot size

3

Garage

1999

Year built

Two

Levels

$247

Per sqft

FireplacePets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Chair Rail · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Chute · Laundry Room
CoolingCentral Air
HeatingNatural Gas

Outside & construction

RoofShingle
ConstructionBrick · HardiPlank Type
FoundationCrawlspace
FacesNorth
ParkingGolf Cart Garage
ExteriorFrench Doors · Irrigation System · Lighting · Other · Private Yard · Rain Gutters · Sprinkler Metered

Community & fees

HOA fee$103/mo
Taxes (2025)$9,575/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Connected
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.

$5,764 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,398
PMI (est., until 20% equity)$306
Property tax — 2025 actual bill$798
HOA fee — from the listing$103
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $81,500Loan30-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% · $81,500
Interest rate6.00%
Loan term

Estimated payment

$5,764/mo

Principal & interest$4,398
PMI (est., until 20% equity)$306
Property taxes (actual bill)$798
HOA / condo fee$103
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 $815K
$761KedgeAI estimate $877,099 · range $793K$1.0M$1.1M

vs edgeAI estimate

−7.1%

$/sqft vs Gainesville actives

$247 vs $202

Days on market

40 vs 45 typical

Where $247/sqft sits among the 400 Gainesville actives

81
107
80
68 · this home
27
37
$132–165$165–198$198–231$231–263$263–296$296+

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 Haile Plantation

Map of 3915 SW 95TH TERRACE inside its neighborhood boundary

Get to know Gainesville. See the full Gainesville guide →

Haile Plantation — neighborhood snapshot

Population

5,843

Median age

48

Median income

$118,974

Median home value

$437,518

Avg household

2

Households w/ children

658

For the school run

Alachua County School District

MiddleKanapaha Middle School★★★★★
ElementaryKimball Wiles Elementary School★★★★★
HighF. W. Buchholz High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Gainesville market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$294K$340K

Gainesville median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

177 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 270% above the GAINESVILLE 32608 median. See the full Gainesville market guide →

Paper trail

This home's history

Jun 26, 2026Listed at $815,000 · 40 days on market since
1999Built · HAILE PLANTATION UNIT 33 PH I

Reality check

What actually sold near 3915 SW 95TH TERRACE

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

3904 SW 95TH DRIVESold · Aug ’26

$881,000

3904 SW 95TH DRIVE · same community

4 bd · 3.5 ba · 2,860 sqft · $308/sqft · 3 DOM

3925 SW 95TH TERRACESold · Jun ’26

$1,060,000

3925 SW 95TH TERRACE · same community

4 bd · 3.5 ba · 3,838 sqft · $276/sqft · 5 DOM

5505 SW 93RD WAYSold · Jun ’26

$585,000

5505 SW 93RD WAY

4 bd · 3 ba · 2,678 sqft · $218/sqft · 23 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 3915 SW 95TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3915 SW 95TH TERRACE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3915 SW 95TH TERRACE FAQs

What would the monthly payment be for 3915 SW 95TH TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,764/mo — principal and interest, the actual property-tax bill, the $103/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 3915 SW 95TH TERRACE?+

The association fee works out to $103 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3915 SW 95TH TERRACE?+

The most recent tax bill on record (2025) was $9,575. 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 3915 SW 95TH TERRACE?+

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 $815,000, this home is listed about 176% above the Gainesville median of $294,900. The market section on this page shows how the area is trending.

Which schools are assigned to 3915 SW 95TH TERRACE?+

Kanapaha Middle School (middle), Kimball Wiles Elementary School (elementary), F. W. Buchholz High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of COLDWELL BANKER M.M. PARRISH REALTORS · Lauretta Fogg. MLS #GC541181.

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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