2645 NW 106TH WAY, GAINESVILLE, FL, 32606
Active20 days on marketListed Jul 14, 2026MLS #GC541896
About this home
2645 NW 106TH WAY
Don't miss this rare opportunity to own one of the last remaining vacant lots in the sought-after Hills of Santa Fe community. This wooded parcel offers a blank canvas for your custom dream home, with mature trees providing natural privacy and shade. Unbeatable location, minutes to top-rated schools, shopping, dining, the University of Florida, Santa Fe College, and easy access to I-75. Don't wait, vacant lots in this established, desirable neighborhood rarely become available!
Facts & features
The home at a glance
0.36 ac
Lot size
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.
$1,535 /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
$1,535/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.
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
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the GAINESVILLE 32606 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 2645 NW 106TH WAY
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$370,000
2741 NW 106TH WAY · same community
4 bd · 2 ba · 1,960 sqft · $189/sqft · 45 DOM
Sold · Sep ’25$323,000
1602 NW 117 TERRACE
3 bd · 2 ba · 1,514 sqft · $213/sqft · 29 DOM
Sold · Jun ’26$308,250
12244 NW 10TH PLACE
3 bd · 2 ba · 1,555 sqft · $198/sqft · 13 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 2645 NW 106TH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2645 NW 106TH WAY — 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
2645 NW 106TH WAY FAQs
What would the monthly payment be for 2645 NW 106TH WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,535/mo — principal and interest, the actual property-tax bill, the $17/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 2645 NW 106TH WAY?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2645 NW 106TH WAY?+
The most recent tax bill on record (2025) was $1,177. 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 2645 NW 106TH WAY?+
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 $199,000, this home is listed about 33% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2645 NW 106TH WAY?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PEPINE REALTY · Betsy Pepine. MLS #GC541896.
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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