3817 NW 28TH TERRACE, GAINESVILLE, FL, 32605
Active33 days on marketListed Jul 3, 2026MLS #GC541647
About this home
3817 NW 28TH TERRACE
Virtually Staged. Welcome to this beautifully renovated 4-bedroom home in the desirable Hidden Oaks neighborhood. Conveniently located just off NW 39th Avenue, Hidden Oaks is a quiet community of well-maintained homes with no thru traffic, offering privacy and convenience. A comprehensive renovation completed in 2022 transformed the home with luxury vinyl plank flooring, fresh interior and exterior paint, updated stone accents, a stunning chef's kitchen with granite countertops, beautifully remodeled bathrooms, stylish fixtures, and an expansive paver patio perfect for outdoor entertaining. The roof and HVAC system were both replaced in 2020, and the current owners have continued to enhance the property with interior shutters, a spacious storage shed, and a new dishwasher. The thoughtfully designed floor plan offers an open-concept living and dining area that flows seamlessly into the spacious kitchen, creating the perfect space for gathering with family and friends. The kitchen features abundant cabinetry, cabinet lighting, and additional seating space, making it as functional as it is beautiful. The split layout provides flexibility and privacy, with one bedroom located just off the living area, while the primary suite and two additional guest bedrooms are situated in a separate wing of the home. Two generously sized storage closets and a well-appointed guest bathroom add even more convenience. Step outside to enjoy the fully fenced backyard, offering plenty of room for pets, play, and gardening. The oversized paver patio is ideal for grilling, relaxing, or entertaining, while the large storage shed provides ample space for tools, lawn equipment, and outdoor gear. With extensive updates, major systems replaced, and an unbeatable Northwest Gainesville location, this exceptional home is truly move-in ready. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,744
Sqft
0.23 ac
Lot size
2
Garage
1977
Year built
One
Levels
$217
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.
$3,037 /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
$3,037/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.
vs edgeAI estimate
+15.7%
$/sqft vs Gainesville actives
$217 vs $202
Days on market
33 vs 45 typical
Where $217/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 32605 — neighborhood snapshot
Population
25,698
Median age
40.5
Median income
$83,114
Median home value
$264,700
Avg household
2.34
Households w/ children
2,649
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 → $340K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
179 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 49% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3817 NW 28TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$445,000
3626 NW 29TH STREET · same community
3 bd · 2 ba · 1,856 sqft · $240/sqft · 10 DOM
Sold · Jul ’26$490,000
400 S CUMBERLAND AVENUE · same community
3 bd · 2 ba · 1,615 sqft · $303/sqft · 4 DOM
Sold · Aug ’25$535,000
12809 7TH AVENUE NE · same community
3 bd · 2 ba · 2,012 sqft · $266/sqft · 105 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 3817 NW 28TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3817 NW 28TH 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
3817 NW 28TH TERRACE FAQs
What would the monthly payment be for 3817 NW 28TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,037/mo — principal and interest, the actual property-tax bill, the $21/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 3817 NW 28TH TERRACE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3817 NW 28TH TERRACE?+
The most recent tax bill on record (2025) was $5,483. 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 3817 NW 28TH TERRACE?+
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 $379,000, this home is listed about 29% above the Gainesville median of $294,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3817 NW 28TH TERRACE?+
Gainesville High School (high), Carolyn Beatrice Parker Elementary (elementary), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PROFESSIONALS · Jennifer Figueroa. MLS #GC541647.
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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