TBD SE 12TH STREET, GAINESVILLE, FL, 32641
Active33 days on marketListed Jul 6, 2026MLS #GC541718
About this home
TBD SE 12TH STREET
Owner financing available at a lower than bank rate! Located in a quiet established neighborhood, this vacant corner lot offers an excellent opportunity for builders or someone looking for their ideal home site in the heart of Gainesville close to downtown restaurants and activities. Utilities are all accessible and close by, easy access to schools, shopping and other local amenities. A creek is at the back property line. It is now possible to build back approximately to the rear of the adjacent house. U3 zoning allows the following primary uses: Single Family Dwelling, Multi-Family Dwelling, Multi-Family Small Scale (2-4 unit building), Attached Dwelling Units, Community Residential Home, Child Care Home, Day Care Home, Single Room Occupancy Residence, Bed and Breakfast Establishment. The possibilities are endless for this conveniently located lot. Owner will pay closing costs.
Facts & features
The home at a glance
0.15 ac
Lot size
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.
$364 /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
$364/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.
Where it sits
Inside North Lincoln Heights
Get to know Gainesville. See the full Gainesville guide →
North Lincoln Heights — neighborhood snapshot
Population
373
Median age
45
Median income
$29,704
Median home value
$143,178
Avg household
2
Households w/ children
62%
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 → $333K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% below the GAINESVILLE 32641 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near TBD SE 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$226,500
201 SE 2ND AVENUE UNIT 325
1 bd · 1 ba · 788 sqft · $287/sqft · 78 DOM
Sold · May ’26$66,790
851 SE 23RD STREET
2 bd · 1 ba · 800 sqft · $83/sqft · 19 DOM
Sold · Dec ’25$100,000
75 SE 16TH AVENUE UNIT A204
2 bd · 2 ba · 874 sqft · $114/sqft · 200 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about TBD SE 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD SE 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
TBD SE 12TH STREET FAQs
What would the monthly payment be for TBD SE 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $364/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 TBD SE 12TH STREET?+
The most recent tax bill on record (2024) was $170. 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 $30,000, this home is listed about 90% below the Gainesville median of $297,500. The market section on this page shows how the area is trending.
Which schools are assigned to TBD SE 12TH STREET?+
Joseph Williams Elementary School (elementary), Abraham Lincoln Middle School (middle), Eastside 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 MILLER REAL ESTATE · Barbara Miller. MLS #GC541718.
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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