3970 SW 20TH AVENUE UNIT 904, GAINESVILLE, FL, 32607
Active45 days on marketListed Aug 28, 2026MLS #GC542813
About this home
3970 SW 20TH AVENUE UNIT 904
Welcome to this move-in-ready, two-story condo in Kensington North, conveniently located near the University of Florida, UF Health Shands, the VA Hospital, Butler Plaza and I-75. The thoughtfully designed floor plan offers 2 bedrooms, 2.5 bathrooms and 1,176 square feet with no neighbors above or below. The main level features an open living and dining area, wood-look flooring, a convenient half bathroom and a functional kitchen with a breakfast bar. Upstairs, both spacious bedrooms include private en-suite bathrooms, offering flexibility for homeowners, roommates or guests. An in-unit washer and dryer add everyday convenience. Kensington North residents enjoy access to a community pool, fitness center and clubhouse. The community is also positioned along a convenient bus route with access to the University of Florida. Vacant and ready for its next owner—schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,176
Sqft
0.01 ac
Lot size
2002
Year built
Two
Levels
$146
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.
$1,546 /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
$1,546/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
+8.5%
$/sqft vs KENSINGTON PARK
$146 vs $162
Days on market
45 vs 75 typical
Where $146/sqft sits among the 7 homes for sale in KENSINGTON PARK
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 32607 — neighborhood snapshot
Population
31,938
Median age
26.9
Median income
$46,517
Median home value
$297,800
Avg household
2.2
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 → $309K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
2 of 7
KENSINGTON PARK have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3970 SW 20TH AVENUE UNIT 904
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$163,000
3860 SW 20TH AVENUE UNIT 1801 · same community
2 bd · 2.5 ba · 1,176 sqft · $139/sqft · 96 DOM
Sold · Jul ’26$329,000
3404 MONICA PARKWAY · same community
3 bd · 2 ba · 1,198 sqft · $275/sqft · 3 DOM
Sold · Jun ’26$301,900
4131 PRUDENCE DRIVE · same community
2 bd · 2 ba · 1,145 sqft · $264/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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3970 SW 20TH AVENUE UNIT 904 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 SW 20TH AVENUE UNIT 904 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3970 SW 20TH AVENUE UNIT 904 FAQs
What would the monthly payment be for 3970 SW 20TH AVENUE UNIT 904?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,546/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 3970 SW 20TH AVENUE UNIT 904?+
The most recent tax bill on record (2025) was $3,563. 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 3970 SW 20TH AVENUE UNIT 904?+
The listing reports pets: 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 $172,000, this home is listed about 40% below the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 SW 20TH AVENUE UNIT 904?+
F. W. Buchholz High School (high), Kanapaha Middle School (middle), Myra Terwilliger Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REMAX SELECT PARTNERS · Niky Vara. MLS #GC542813.
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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