4006 NW 36TH TERRACE, GAINESVILLE, FL, 32605
Active127 days on marketListed Apr 6, 2026MLS #GC539198
About this home
4006 NW 36TH TERRACE
One or more photo(s) has been virtually staged. Price Reduced – Now Offered Well Below Recent Appraised Value! This 3-bedroom, 2.5-bath pool home presents an outstanding opportunity to own a spacious home on a large corner lot in one of Northwest Gainesville's established neighborhoods. With no HOA, a private pool, and an unbeatable location near the University of Florida, UF Health Shands Hospital, shopping, restaurants, parks, and top-rated schools, this property offers exceptional value for buyers looking to personalize a home while building instant equity. If you've been searching for a pool home in Gainesville, a home near UF and Shands, a corner lot with no HOA, or a property with room to make your own, this home deserves a closer look. The generous floor plan provides comfortable living spaces for everyday life, entertaining, or hosting family and friends. Step outside to your private backyard retreat where the sparkling pool is ready for relaxing afternoons, weekend cookouts, and memorable gatherings. The oversized corner lot offers added privacy, space for pets or outdoor activities, and plenty of room for guests. While the home could benefit from cosmetic updates, it has already received several major improvements, including a new roof (2025), HVAC system (2020), and owned solar panels to help reduce utility costs. Additional features include public water, two septic tanks (pumped in 2025), and high-speed fiber optic internet. The carpet has been removed from the living room and first bedroom, revealing original terrazzo flooring underneath and providing an excellent starting point for your renovation vision. Whether you're a first-time buyer, growing family, investor, or someone looking for a home with great bones in a prime Gainesville location, this property offers endless possibilities. With its combination of location, lot size, private pool, major system updates, and price well below recent appraised value, this is a rare opportunity to create your dream home while adding value in one of Gainesville's most desirable areas. Reasonable offers are being strongly considered. The staged pool photo does not show a blue platform covering the septic access for photography purposes.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,726
Sqft
0.25 ac
Lot size
2
Garage
1969
Year built
One
Levels
$188
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.
$2,491 /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
$2,491/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.
$/sqft vs Gainesville actives
$188 vs $200
Days on market
127 vs 44 typical
Where $188/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 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 → $305K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
187 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 25% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4006 NW 36TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$350,000
2901 NW 32ND STREET
3 bd · 2 ba · 1,728 sqft · $203/sqft · 54 DOM
Sold · Nov ’25$398,000
2585 NW 48TH TERRACE
3 bd · 2 ba · 1,749 sqft · $228/sqft · 43 DOM
Sold · Aug ’25$370,000
3330 NW 26TH AVENUE
4 bd · 2 ba · 1,771 sqft · $209/sqft · 12 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4006 NW 36TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4006 NW 36TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4006 NW 36TH TERRACE FAQs
What would the monthly payment be for 4006 NW 36TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,491/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 4006 NW 36TH TERRACE?+
The most recent tax bill on record (2025) was $3,294. 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 $325,000, this home is listed about 10% above the Gainesville median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4006 NW 36TH TERRACE?+
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
Four things that matter here
01Positioned at the premium end
$325,000 runs 25% above the GAINESVILLE 32605 median — but at 1,726 sqft it's also 21% larger than the typical Gainesville listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
127 days on market against a Gainesville median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $359,000, now $325,000 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORNERSTONE REALTY & MANAGEMENT SERVICES LLC · Mark Kjeseth. MLS #GC539198.
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.
Never miss a listing
New Gainesville homes, in your inbox
Like 4006 NW 36TH TERRACE but not quite? A daily digest of every new listing in Gainesville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →