10144 SW 98 TERRACE, GAINESVILLE, FL, 32608
Active4 days on marketListed Aug 15, 2026MLS #GC542518
Come see it
Upcoming open house
Sun, Aug 23
1:00 PM – 3:00 PM
Hosted by Olivia Dann
About this home
10144 SW 98 TERRACE
Check out this 4 bedroom 2 bath 2,000sf home built in 2005 on a corner 1 acre lot in Hammock Ridge community in SW Gainesville. It features luxury vinyl flooring in the great room and bedrooms with tile in the kitchen, baths and laundry room (no carpet anywhere). New roof installed in 2023. TRANE HVAC replaced in 2020. Stove and refrigerator installed in 2023. Well tank and water softener also recently replaced. The kitchen and breakfast nook areas overlook the family room. There are French doors leading to the large, screened lanai and back yard. The exterior is Hardi board plank so it's pretty maintenance free and there is a large. There is a house generator as well (may need to be serviced or need gas) that has not been recently used. Inside laundry room with a laundry sink. 2 car side entry garage for additional storage. Hammock Ridge is close to all kinds of shopping and dining in Celebration Pointe and Butler Plaza town centers, I-75 and also UF Health, brand new HCA hospital & the VA hospital. The low $38.33 monthly HOA fee includes a large park with covered pavilion, playground, baseball/softball field and a lengthy concrete walkway perfect for jogging, strollers, wheelchair or an evening stroll. The community boasts homes on large acre lots and is perfect for golf cart rides. Current schools area Archer elementary, Kanapaha Middle and Buchholz High School. Call today for a private viewing.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,000
Sqft
1 ac
Lot size
2
Garage
2005
Year built
One
Levels
$222
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.
$3,580 /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
$3,580/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
+13.3%
$/sqft vs Gainesville actives
$222 vs $203
Days on market
4 vs 44 typical
Where $222/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 Hammock Ridge
Get to know Gainesville. See the full Gainesville guide →
Hammock Ridge — neighborhood snapshot
Population
734
Median age
54
Median income
$90,168
Median home value
$261,400
Avg household
2
Households w/ children
26%
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 → $322K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
194 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 98% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 10144 SW 98 TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$427,500
10368 SW 98TH TERRACE · same community
3 bd · 2 ba · 2,314 sqft · $185/sqft · 97 DOM
Sold · Jul ’26$735,000
9733 SW 104TH LANE · same community
5 bd · 3 ba · 3,157 sqft · $233/sqft · 63 DOM
Sold · Dec ’25$512,000
8810 SW 103RD AVENUE
4 bd · 2 ba · 2,012 sqft · $254/sqft · 3 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 10144 SW 98 TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10144 SW 98 TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10144 SW 98 TERRACE FAQs
What would the monthly payment be for 10144 SW 98 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,580/mo — principal and interest, the actual property-tax bill, the $38/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 10144 SW 98 TERRACE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10144 SW 98 TERRACE?+
The most recent tax bill on record (2025) was $6,790. 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 10144 SW 98 TERRACE?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $444,900, this home is listed about 50% above the Gainesville median of $296,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10144 SW 98 TERRACE?+
Archer Elementary (elementary), Oak View Middle School (middle), Newberry High School (high) — 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
$444,900 runs 98% above the GAINESVILLE 32608 median — but at 2,000 sqft it's also 40% larger than the typical Gainesville listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Gainesville market that averages 44 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Jonathan Colon. MLS #GC542518.
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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