4647 NE 15TH TERRACE, GAINESVILLE, FL, 32609
Active291 days on marketListed Oct 7, 2025MLS #J993753
About this home
4647 NE 15TH TERRACE
Welcome to this beautifully maintained 3-bedroom, 2-bath home in a peaceful golf course community! Featuring an open-concept layout, updated kitchen with gas range, and a spacious primary suite with walk-in closet, this home is perfect for relaxing or entertaining. Enjoy the private backyard from the covered patio and take advantage of nearby sidewalks and nature views. Vacant and move-in ready — schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,241
Sqft
0.17 ac
Lot size
1
Garage
2006
Year built
One
Levels
$232
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.
$2,376 /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
$2,376/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
+29.4%
$/sqft vs Gainesville actives
$232 vs $197
Days on market
291 vs 36 typical
Where $232/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 32609 — neighborhood snapshot
Population
19,694
Median age
35.9
Median income
$48,121
Median home value
$174,500
Avg household
2.31
Households w/ children
1,692
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)
184 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 44% above the GAINESVILLE 32609 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4647 NE 15TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$265,000
4671 NE 15TH TERRACE · same community
3 bd · 2 ba · 1,242 sqft · $213/sqft · 43 DOM
Sold · Aug ’25$297,000
4603 NE 16TH TERRACE · same community
3 bd · 2 ba · 1,467 sqft · $202/sqft · 18 DOM
Sold · Jun ’26$285,000
4729 NE 16TH TERRACE · same community
4 bd · 2 ba · 1,538 sqft · $185/sqft · 6 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 4647 NE 15TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4647 NE 15TH 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
4647 NE 15TH TERRACE FAQs
What would the monthly payment be for 4647 NE 15TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,376/mo — principal and interest, the actual property-tax bill, the $10/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 4647 NE 15TH TERRACE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4647 NE 15TH TERRACE?+
The most recent tax bill on record (2024) was $4,594. 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 4647 NE 15TH 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 $288,000, this home is listed about 3% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4647 NE 15TH TERRACE?+
Gainesville High School (high), Stephen Foster Elementary School (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 STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J993753.
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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