3012 NW 28TH CIRCLE, GAINESVILLE, FL, 32605
Active157 days on marketListed Feb 28, 2026MLS #GC537826
About this home
3012 NW 28TH CIRCLE
Investor-Friendly NW Gainesville Townhome Near UF. Located just 2.8 miles from the University of Florida and on the RTS bus route, this 3-bedroom, 2.5-bath end-unit townhome in Tiffany offers a strong opportunity for buyers seeking a low-maintenance rental, student housing alternative, or parent-investor purchase. NEW HVAC installed 07/26. The HOA covers exterior maintenance, roof, lawn care, pool, and clubhouse, making ownership more streamlined. With a garage, laundry room, private patio, and all bedrooms upstairs, the layout is practical for roommates, UF Health employees, or long-term tenants. New siding is scheduled to be installed by the HOA.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,385
Sqft
0.02 ac
Lot size
1
Garage
1987
Year built
Two
Levels
$148
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.
$2,127 /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
$2,127/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
+19.9%
$/sqft vs N/A
$148 vs $288
Days on market
157 vs 45 typical
Where $148/sqft sits among the 244 homes for sale in N/A
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)
110 of 244
N/A have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3012 NW 28TH CIRCLE
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$900,000
9559 SE 177TH COURT · same community
2 bd · 2 ba · 1,344 sqft · $670/sqft · 10 DOM
Sold · Dec ’25$285,000
911 NW 33RD AVENUE · same community
3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM
Sold · Dec ’25$289,000
13905 SW 143RD STREET · same community
2 bd · 2 ba · 1,548 sqft · $187/sqft · 45 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3012 NW 28TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3012 NW 28TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3012 NW 28TH CIRCLE FAQs
What would the monthly payment be for 3012 NW 28TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,127/mo — principal and interest, the actual property-tax bill, the $360/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 3012 NW 28TH CIRCLE?+
The association fee works out to $360 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3012 NW 28TH CIRCLE?+
The most recent tax bill on record (2025) was $3,714. 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 3012 NW 28TH CIRCLE?+
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 $205,000, this home is listed about 31% below the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3012 NW 28TH CIRCLE?+
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.
The brief
Three things that matter here
01Under the GAINESVILLE 32605 market on paper
$205,000 is 20% below the GAINESVILLE 32605 median of $255,000, and at $148/sqft it sits under the Gainesville average of $209.
02Time on market is leverage
157 days on market against a Gainesville median of 45 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $215,000, now $205,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHGRE THOMAS GROUP · Sarah Altbuch. MLS #GC537826.
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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