4323 NW 12TH TERRACE, GAINESVILLE, FL, 32609
Active93 days on marketListed Apr 27, 2026MLS #OM723588
About this home
4323 NW 12TH TERRACE
Welcome to this well-located Gainesville property offering comfort, convenience, and strong long-term potential. Nestled in an established neighborhood, this home provides a functional layout with inviting living spaces and a spacious lot that allows room for outdoor enjoyment, personalization, or future improvements. The location is a standout feature—just minutes from everyday essentials including Publix, ALDI, CVS, Walgreens, and a variety of dining options along the nearby commercial corridor. Whether it’s a quick grocery run or grabbing a meal, everything you need is close by, making daily living highly convenient. For commuters, the property offers easy access to major roadways and is approximately 12–18 minutes from the University of Florida, creating strong appeal for faculty, staff, and medical professionals. Downtown Gainesville, parks, and additional shopping and entertainment options are also within a short drive. Ideal for both homeowners and investors, this property combines location, accessibility, and upside potential in one of Gainesville’s established and steadily growing areas. A great opportunity to secure a home in a well-connected and desirable setting. Seller will contribute towards closing cost. A/C was serviced on 6/16/2026 and is operating properly. Roof is a 2018 roof. Water Heater is 2021, is functioning properly with no issues. Electrical Panel is 2021.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,252
Sqft
0.34 ac
Lot size
1956
Year built
One
Levels
$196
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 — not generic estimates.
$1,899 /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
$1,899/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
+0.5%
$/sqft vs Gainesville actives
$196 vs $199
Days on market
93 vs 36 typical
Where $196/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)
175 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 23% above the GAINESVILLE 32609 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4323 NW 12TH 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$150,000
884 E 20TH STREET · same community
3 bd · 1 ba · 1,239 sqft · $121/sqft · 7 DOM
Sold · Jul ’25$275,000
810 CATALINA DRIVE · same community
3 bd · 1 ba · 1,186 sqft · $232/sqft · 41 DOM
Sold · May ’26$298,000
748 W FLORENCE AVENUE · same community
3 bd · 2 ba · 1,180 sqft · $253/sqft · 3 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 4323 NW 12TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4323 NW 12TH 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
4323 NW 12TH TERRACE FAQs
What would the monthly payment be for 4323 NW 12TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,899/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4323 NW 12TH TERRACE?+
The most recent tax bill on record (2025) was $2,271. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Gainesville?+
At $244,900, this home is listed about 17% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4323 NW 12TH 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.
The brief
Four things that matter here
01Positioned at the premium end
$244,900 runs 23% above the GAINESVILLE 32609 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
93 days on market against a Gainesville median of 36 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $260,000, now $244,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STALLIONS REALTY LLC · Joy Baker. MLS #OM723588.
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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