
3810 NW 28TH TERRACE, GAINESVILLE, FL, 32605
Active15 days on marketListed Jul 20, 2026MLS #GC542068
About this home
3810 NW 28TH TERRACE
Charming Home in Sought-After Hidden Oaks Community This beautiful 3-bedroom, 2-bathroom home offers a spacious layout with a two-car garage, a sunken living room, wood beam ceilings, and multiple areas designed for comfortable living. The home features laminate wood flooring throughout the main living areas and bedrooms, tile flooring in the kitchen and bathrooms, and a large wood-burning brick fireplace with cedar accents and mantle. Upon entry, the foyer opens into the large living room featuring vaulted wood beam ceilings, oversized windows providing abundant natural light, and a cozy wood-burning fireplace. The formal dining area includes sliding glass doors overlooking the private backyard area. The kitchen features large tile flooring, oak cabinetry, stainless steel appliances, gas range, french-door refrigerator, and updated countertops. The family room continues the open feel with additional wood beam ceilings, cedar accent walls, and a convenient dining/serving bar connecting the kitchen and living spaces. The screened-in back porch provides additional entertainment space and includes tiled flooring. The backyard offers privacy with a brick privacy wall and mature landscaping. The home also includes a large master suite with private outdoor access, a cultured marble vanity, and a custom step-down shower. The guest bedrooms provide ample natural light and comfortable living space. The property is located within a well-maintained community offering desirable amenities including tennis courts, racquetball courts, playground areas, and a dedicated grilling and barbecue space. In addition, the home is conveniently situated just minutes from I-75, providing easy access throughout Gainesville and surrounding areas, and is close to shopping centers, grocery stores, restaurants, parks, and green spaces, as well as major retail corridors, medical facilities, and the University of Florida area, making it highly convenient for daily living and commuting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,591
Sqft
0.23 ac
Lot size
2
Garage
1980
Year built
One
Levels
$1
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.
$175 /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
$175/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 Gainesville actives
$1 vs $201
Days on market
15 vs 45 typical
Where $1/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 → $323K
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 99% below the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3810 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 · Jul ’26$490,000
400 S CUMBERLAND AVENUE · same community
3 bd · 2 ba · 1,615 sqft · $303/sqft · 4 DOM
Sold · May ’26$399,000
413 S CUMBERLAND AVENUE · same community
3 bd · 2 ba · 1,465 sqft · $272/sqft · 11 DOM
Sold · Jan ’26$320,000
2573 SW Cain Street, Port St. Lucie FL 34953 · same community
3 bd · 2 ba · 1,428 sqft · $224/sqft · 118 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 3810 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 3810 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
3810 NW 28TH TERRACE FAQs
What would the monthly payment be for 3810 NW 28TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $175/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 3810 NW 28TH TERRACE?+
The listing reports pets: Breed Restrictions, 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 $2,050, this home is listed about 99% below the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3810 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 SECURE INVESTMENTS REALTY & MA · Tanya Chappell. MLS #GC542068.
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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