9978 SW 98TH TERRACE, GAINESVILLE, FL, 32608
Active41 days on marketListed Sep 1, 2026MLS #GC543040
About this home
9978 SW 98TH TERRACE
Built in 2025 and set on a full acre, this 4-bedroom, 3-bath Gainesville home offers 1,866 square feet of heated and cooled living space with room to enjoy both indoors and out. The single-story layout features an open floor plan and split-bedroom design, creating a practical separation between the primary suite and additional bedrooms. The primary suite includes a walk-in closet, dual sinks with separate vanities, linen storage, a private water closet and a spacious shower. The kitchen is equipped with smart appliances, while smart switches, an electric fireplace, ceiling fans and blinds add convenience throughout the home. An EV/hybrid vehicle charging port is already installed in the garage. Step outside to a covered patio overlooking the one-acre property, with established grass, trees, partial fencing, automatic irrigation in the front and back, and a small pond near the front of the property. A concrete driveway provides easy access to the home. The property is served by a private well and septic system, with electric service through Clay Electric and cable and internet availability through Cox. Hammock Ridge also includes a neighborhood park with a playground and walking path. Located in Gainesville, the home offers a country setting while keeping shopping, dining, healthcare and everyday services within convenient reach. Gainesville is known for its extensive park system and access to North Florida's natural areas, including nearby Paynes Prairie Preserve State Park and the trails and recreation surrounding the city's creeks and waterways. The Santa Fe River and Suwannee River are also part of the broader North Central Florida landscape, offering additional opportunities for kayaking, fishing and outdoor recreation.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,866
Sqft
1 ac
Lot size
2
Garage
2005
Year built
One
Levels
$230
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.
$3,360 /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
$3,360/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
+18.7%
$/sqft vs Gainesville actives
$230 vs $198
Days on market
41 vs 75 typical
Where $230/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 → $309K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
244 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 94% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 9978 SW 98TH 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 · Feb ’26$237,000
9032 SW 106TH TERRACE
3 bd · 2 ba · 1,911 sqft · $124/sqft · 9 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 9978 SW 98TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9978 SW 98TH 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
9978 SW 98TH TERRACE FAQs
What would the monthly payment be for 9978 SW 98TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,360/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 9978 SW 98TH 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 9978 SW 98TH TERRACE?+
The most recent tax bill on record (2025) was $5,298. 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 9978 SW 98TH TERRACE?+
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 $429,900, this home is listed about 51% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9978 SW 98TH 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.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY OF NORTH FLORIDA, INC · Stephanie Barron. MLS #GC543040.
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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