636 SW 128TH TERRACE, NEWBERRY, FL, 32669
Pending31 days on marketListed Jul 6, 2026MLS #GC541737
About this home
636 SW 128TH TERRACE
Welcome to this beautifully maintained 4-bedroom, 3-bath home with a dedicated office, located in the highly desirable Town of Tioga. Designed with both comfort and functionality in mind, this home features an open-concept floor plan with soaring high ceilings that create a bright and spacious atmosphere. The main living areas showcase beautiful wood flooring, while the bedrooms offer the warmth and comfort of carpet. The well-appointed kitchen flows seamlessly into the living and dining spaces, making it ideal for everyday living and entertaining. The dedicated office provides the perfect space for working from home, studying, or creating a private retreat. A washer and dryer are included for added convenience. Step outside to enjoy the fully fenced backyard, offering plenty of space for relaxing, entertaining, or letting children and pets play safely. Situated in the sought-after Town of Tioga, this home is conveniently located near shopping, dining, parks, and top-rated schools, making it an exceptional place to call home
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,607
Sqft
0.16 ac
Lot size
2
Garage
2017
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$190 /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
$190/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 TOWN OF TIOGA
$2 vs $322
Days on market
31 vs 50 typical
Where $2/sqft sits among the 8 homes for sale in TOWN OF TIOGA
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 Tioga
Get to know Newberry. See the full Newberry guide →
Tioga — neighborhood snapshot
Population
1,552
Median age
44
Median income
$102,747
Median home value
$383,700
Avg household
2
Households w/ children
166
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Newberry market
$343K → $335K
Newberry median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
2 of 8
TOWN OF TIOGA have cut their price
Median sold price, Newberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the NEWBERRY 32669 median. See the full Newberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 636 SW 128TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$669,300
245 SW 132ND TERRACE · same community
4 bd · 3 ba · 2,627 sqft · $255/sqft · 11 DOM
Sold · Jun ’26$765,000
716 SW 131 STREET · same community
4 bd · 3.5 ba · 2,710 sqft · $282/sqft · 566 DOM
Sold · Jun ’26$733,860
728 SW 131 STREET · same community
4 bd · 3.5 ba · 2,734 sqft · $268/sqft · 59 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 636 SW 128TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 636 SW 128TH 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
636 SW 128TH TERRACE FAQs
What would the monthly payment be for 636 SW 128TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $190/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 636 SW 128TH TERRACE?+
The listing reports pets: No. 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 Newberry?+
At $4,100, this home is listed about 99% below the Newberry median of $394,450. The market section on this page shows how the area is trending.
Which schools are assigned to 636 SW 128TH TERRACE?+
Meadowbrook Elementary School (elementary), Kanapaha Middle School (middle), F. W. Buchholz High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MATCHMAKER REALTY OF ALACHUA COUNTY · Scott Arvin. MLS #GC541737.
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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