David Ramirez
$499,9004 bd3.5 ba2,512 sqft$199 /sqft$3,859 /mo all-in ↓

8345 NW 54TH TERRACE, GAINESVILLE, FL, 32653

Active27 days on marketListed Jul 2, 2026MLS #GC541503

Private poolSingle Family ResidenceWESCHESTER

About this home

8345 NW 54TH TERRACE

Welcome to this spacious and thoughtfully upgraded home on a desirable corner lot overlooking the community pond, where flexible living spaces, quality improvements, and an incredible backyard create exceptional value. Lovingly lived in and enjoyed by its current owners, this home offers numerous upgrades beyond many others in the neighborhood while providing the perfect opportunity for a new owner to make it their own. From the moment you arrive, you'll appreciate the inviting front porch, oversized driveway, and extended two car garage with additional space ideal for a workshop, extra storage, or even parking a third vehicle, along with convenient access to the backyard. Step inside to find rich wood flooring flowing throughout the main living areas, tile in the bathrooms, and comfortable carpet in the bedrooms. Just off the entry, French doors lead to a versatile flex room that is perfect for a home office, playroom, or fifth bedroom. Nearby, a convenient half bath with a pedestal sink and coat closet is ideal for guests. The open concept floor plan is designed for both everyday living and entertaining, with the spacious great room flowing seamlessly into the dining area and kitchen. The kitchen features granite countertops, stainless steel appliances, a gas range, abundant cabinetry, a large island with seating, and views of the main living space so you're always part of the conversation. The first floor also includes a conveniently located laundry room, and the washer and dryer are included. Tucked away for privacy, the spacious primary suite is located on the main floor and offers a large walk in closet along with an ensuite bath featuring dual vanities and a beautifully tiled walk in shower. Upstairs, an expansive loft with wood flooring provides the perfect second living area, media room, game room, or homework space. Three additional bedrooms complete the second level, including one with its own private ensuite bath, while another full bathroom serves the remaining bedrooms. Comfort and efficiency are enhanced with two separate HVAC systems, one for each floor, along with a tankless gas water heater. Step outside to your own backyard retreat featuring a stunning pool and heated spa with a beautiful waterfall, an expansive paver patio, a built in gas fire pit, and a gas stub ready for your future outdoor grill or kitchen. A small turf area adds low maintenance green space while the fully fenced backyard provides privacy for relaxing or entertaining. Situated on a premium corner lot with peaceful pond views and just a short stroll to the community pool and amenities, this home also offers an exceptional Gainesville location. Enjoy convenient access to I 75, the University of Florida, UF Health, North Florida Regional Medical Center, Santa Fe College, Celebration Pointe, Butler Plaza, and the abundance of shopping, dining, parks, and entertainment that make northwest Gainesville one of the area's most sought after places to call home. Combining space, flexibility, outstanding outdoor living, and an unbeatable location, this home is ready for its next chapter.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,512

Sqft

0.17 ac

Lot size

3

Garage

2017

Year built

Two

Levels

$199

Per sqft

Private poolWater viewPets allowed

Inside

FlooringCarpet · Porcelain Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Freezer · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · On Street · Oversized
ExteriorIrrigation System · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$42/mo
Taxes (2025)$5,915/yr
PetsYes
CommunityDog Park · Irrigation-Reclaimed Water · Playground · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fiber Optics · Natural Gas Connected · Phone Available · Solar · 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.

$3,859 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$493
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,497Loan30-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% · $17,497
Interest rate6.00%
Loan term

Estimated payment

$3,859/mo

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$493
HOA / condo fee$42
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.

$/sqft vs Gainesville actives

$199 vs $200

Days on market

27 vs 36 typical

Where $199/sqft sits among the 400 Gainesville actives

65
87
94 · this home
78
35
41
$125–156$156–187$187–218$218–249$249–280$280+

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

Map of 8345 NW 54TH TERRACE

Get to know Gainesville. See the full Gainesville guide →

GAINESVILLE 32653 — neighborhood snapshot

Population

15,457

Median age

44.4

Median income

$97,700

Median home value

$273,700

Avg household

2.4

Households w/ children

1,735

For the school run

Alachua County School District

ElementaryC. W. Norton Elementary School★★★★★
MiddleWestwood 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)

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 87% above the GAINESVILLE 32653 median. See the full Gainesville market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $499,900 · 27 days on market since
2017Built · WESCHESTER

Reality check

What actually sold near 8345 NW 54TH TERRACE

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

8280 NW 52ND STREETSold · Oct ’25

$399,900

8280 NW 52ND STREET · same community

4 bd · 2 ba · 1,976 sqft · $202/sqft · 2 DOM

8317 NW 52ND STREETSold · Feb ’26

$360,000

8317 NW 52ND STREET · same community

3 bd · 2 ba · 1,970 sqft · $183/sqft · 182 DOM

8147 NW 51ST DRIVESold · Mar ’26

$354,900

8147 NW 51ST DRIVE · same community

4 bd · 2 ba · 1,761 sqft · $202/sqft · 4 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 8345 NW 54TH 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 8345 NW 54TH 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.

Goes straight to David’s phone and CRM.

Straight answers

8345 NW 54TH TERRACE FAQs

What would the monthly payment be for 8345 NW 54TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,859/mo — principal and interest, the actual property-tax bill, the $42/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 8345 NW 54TH TERRACE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8345 NW 54TH TERRACE?+

The most recent tax bill on record (2025) was $5,915. 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 8345 NW 54TH 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 $499,900, this home is listed about 69% above the Gainesville median of $295,500. The market section on this page shows how the area is trending.

Which schools are assigned to 8345 NW 54TH TERRACE?+

C. W. Norton 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.

Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Lisa Fetrow. MLS #GC541503.

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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