4851 NW 81ST AVENUE, GAINESVILLE, FL, 32653
Active38 days on marketListed Jun 29, 2026MLS #OM727553
About this home
4851 NW 81ST AVENUE
Welcome to Westchester Cluster Phase 1! This 3-bedroom, 2-bathroom home offers 1,651 square feet of comfortable, low-maintenance living in one of northwest Gainesville's desirable communities. Built in 2013, this home features a durable Hardie board exterior, a fenced backyard, and a thoughtful floor plan designed for everyday living. Step through the welcoming foyer into a spacious great room with soaring ceilings and luxury flooring throughout the main living areas. The open-concept design creates a bright, inviting space that flows seamlessly into the dining area and kitchen, making it perfect for entertaining or relaxing with family. The kitchen features abundant cabinetry, generous counter space, a walk-in pantry, and breakfast bar. Sliding glass doors from the family room lead to a covered patio overlooking the fenced backyard—ready for gardening, pets, or your own outdoor retreat. The split-bedroom floor plan offers privacy, with two guest bedrooms and a full bath located at the front of the home. Tucked away at the rear, the spacious primary suite includes dual vanities, a walk-in shower, private water closet, and ample closet space. Residents of Westchester enjoy wonderful community amenities, including a pool, playground, sidewalks, and green spaces. Ideally located just minutes from Publix, Fresh Market, Starbucks, and the restaurants along NW 43rd Street and Millhopper Road, this home also offers convenient access to UF, UF Health/Shands, downtown Gainesville, and US-441. Whether you're a first-time homebuyer, downsizing, or looking for a smart investment opportunity, this move-in-ready home offers the perfect combination of comfort, convenience, and value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,651
Sqft
0.11 ac
Lot size
2
Garage
2013
Year built
One
Levels
$193
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.
$2,563 /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
$2,563/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
−4.5%
$/sqft vs Gainesville actives
$193 vs $201
Days on market
38 vs 45 typical
Where $193/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 32653 — neighborhood snapshot
Population
15,457
Median age
44.4
Median income
$97,700
Median home value
$273,700
Avg household
2.4
Households w/ children
1,735
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 → $322K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
181 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 18% above the GAINESVILLE 32653 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4851 NW 81ST AVENUE
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$325,000
8145 NW 53RD STREET · same community
3 bd · 2 ba · 1,591 sqft · $204/sqft · 12 DOM
Sold · Jun ’26$358,000
8135 NW 54TH STREET · same community
3 bd · 2 ba · 1,712 sqft · $209/sqft · 22 DOM
Sold · Sep ’25$358,000
5153 NW 81ST AVENUE · same community
4 bd · 2 ba · 1,886 sqft · $190/sqft · 40 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 4851 NW 81ST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4851 NW 81ST AVENUE — 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
4851 NW 81ST AVENUE FAQs
What would the monthly payment be for 4851 NW 81ST AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,563/mo — principal and interest, the actual property-tax bill, the $42/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 4851 NW 81ST AVENUE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4851 NW 81ST AVENUE?+
The most recent tax bill on record (2025) was $4,098. 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 4851 NW 81ST AVENUE?+
The listing reports pets: Cats OK, Dogs OK. 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 $319,000, this home is listed about 8% above the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4851 NW 81ST AVENUE?+
C. W. Norton Elementary School (elementary), Westwood Middle School (middle), Gainesville 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 PEGASUS REALTY & ASSOC INC · Sharon Will. MLS #OM727553.
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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