2023 SW 76TH TERRACE, GAINESVILLE, FL, 32607
Pending103 days on marketListed May 6, 2026MLS #GC539859
About this home
2023 SW 76TH TERRACE
Virtually Staged. Back on the market at no fault of the home. Clean inspection and ready for new owners! Beautiful and well maintained pool home tucked away on a quiet cul-de-sac in the desirable Reserve community of Gainesville with an extremely low HOA. Offering 2,170 square feet of cooled space, this spacious 3 bedroom, 2.5 bath home also includes a dedicated office, providing flexibility for today's lifestyle and a bonus room off the primary bedroom for a nursery or study. Step inside to a beautiful family room featuring a vaulted tongue and groove wood ceiling and a striking brick wood burning fireplace, creating a grand entryway. The light-filled kitchen offers granite counters, stainless steel appliances, a breakfast nook, and its own vaulted wood ceiling. A formal dining room with tray ceiling adds an elegant touch for entertaining. The split floor plan provides privacy, with a spacious primary suite that includes a tray ceiling, walk-in closet, and an additional sitting/reading room that could be used for a nursery. The luxurious ensuite bath complete with garden tub and separate shower. High ceilings and abundant windows throughout the home enhance the bright, open feel. Outdoor living is just as impressive with a large, screened lanai overlooking a private pool, perfect for relaxing or hosting gatherings year-round. The home sits on a generously sized lot with mature trees and a privacy fence. Additional features include an indoor laundry room and an oversized side-entry garage. All the major items are up to date including a NEW 2026 roof with new skylights throughout and a 2021 HVAC and 2018 hot water heater. The lot offers privacy with fencing and one side is community space that will remain vacant on the other side. Conveniently located near shopping, dining, parks, UF and major medical facilities. The perfect combination of space, character, and location with a pool. Buyer is responsible for verifying all school zones and measurements.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,170
Sqft
0.33 ac
Lot size
2
Garage
1990
Year built
One
Levels
$198
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.
$3,474 /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
$3,474/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
$198 vs $200
Days on market
103 vs 45 typical
Where $198/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 Avalon
Get to know Gainesville. See the full Gainesville guide →
Avalon — neighborhood snapshot
Population
1,108
Median age
36
Median income
$138,607
Median home value
$366,700
Avg household
3
Households w/ children
112
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 → $318K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
189 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 140% above the GAINESVILLE 32607 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 2023 SW 76TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$465,000
2013 SW 76TH TERRACE · same community
4 bd · 3 ba · 2,391 sqft · $194/sqft · 49 DOM
Sold · Aug ’25$475,000
3832 SW 91ST DRIVE
4 bd · 3 ba · 2,165 sqft · $219/sqft · 22 DOM
Sold · Apr ’26$529,900
3602 SW 84TH STREET
4 bd · 3 ba · 2,175 sqft · $244/sqft · 6 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2023 SW 76TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2023 SW 76TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2023 SW 76TH TERRACE FAQs
What would the monthly payment be for 2023 SW 76TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,474/mo — principal and interest, the actual property-tax bill, the $12/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 2023 SW 76TH TERRACE?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2023 SW 76TH TERRACE?+
The most recent tax bill on record (2025) was $6,961. 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 2023 SW 76TH TERRACE?+
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 $430,000, this home is listed about 44% above the Gainesville median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2023 SW 76TH TERRACE?+
Lawton M. Chiles Elementary School (elementary), Kanapaha Middle School (middle), F. W. Buchholz High School (high) — 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
$430,000 runs 140% above the GAINESVILLE 32607 median — but at 2,170 sqft it's also 51% 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
103 days on market against a Gainesville median of 45 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lawton M. Chiles Elementary School, Kanapaha Middle School, F. W. Buchholz High School — Lawton M. Chiles Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Chessie Flanders. MLS #GC539859.
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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