3907 NW 21ST STREET, GAINESVILLE, FL, 32605
Active120 days on marketListed Apr 16, 2026MLS #GC537466
About this home
3907 NW 21ST STREET
BACK ON THE MARKET!!! Attention: Seller may consider Seller financing with an adequate down payment. This exceptional property is ideally located just off NW 39th Avenue, offering convenient access to the University of Florida campus, UF Health Shands Hospital, the VA Medical Center, and HCA Florida North Florida Hospital. Shopping, dining, and everyday conveniences are all just minutes away. Beautifully renovated from top to bottom, this move-in-ready home presents an outstanding investment opportunity. Whether you're seeking a rental property for university grads or undergrads, traveling healthcare professionals, or a short-term vacation rental, First Time Homebuyers or whether you’re downsizing or upsizing, this property is well-positioned to meet a variety of needs. Adding to its appeal, a brand-new roof was installed in February 2026, and the HVAC system was replaced in 2020, providing valuable peace of mind and minimizing future maintenance concerns.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,510
Sqft
0.28 ac
Lot size
1972
Year built
One
Levels
$192
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.
$2,390 /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
$2,390/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
+1.3%
$/sqft vs Gainesville actives
$192 vs $200
Days on market
120 vs 44 typical
Where $192/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 Hazel Heights
Get to know Gainesville. See the full Gainesville guide →
Hazel Heights — neighborhood snapshot
Population
2,003
Median age
33
Median income
$83,056
Median home value
$226,905
Avg household
3
Households w/ children
242
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 → $305K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
186 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 12% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3907 NW 21ST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$220,000
1033 NW 22ND AVENUE
3 bd · 2 ba · 1,500 sqft · $147/sqft · 48 DOM
Sold · Apr ’26$234,000
1628 NW 19TH CIRCLE
2 bd · 2 ba · 1,527 sqft · $153/sqft · 17 DOM
Sold · Sep ’25$293,000
1612 NW 19TH CIRCLE
3 bd · 2 ba · 1,527 sqft · $192/sqft · 102 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3907 NW 21ST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3907 NW 21ST STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3907 NW 21ST STREET FAQs
What would the monthly payment be for 3907 NW 21ST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,390/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 3907 NW 21ST STREET?+
The most recent tax bill on record (2025) was $4,746. 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 $289,900, this home is listed about 3% below the Gainesville median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3907 NW 21ST STREET?+
C. W. Norton Elementary School (elementary), Gainesville High School (high), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$289,900 runs 12% above the GAINESVILLE 32605 median.
02Time on market is leverage
120 days on market against a Gainesville median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $309,900, now $289,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Mary Kramp. MLS #GC537466.
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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