4625 NW 21ST TERRACE, GAINESVILLE, FL, 32605
Active12 days on marketListed Sep 28, 2026MLS #GC543590
Come see it
Upcoming open house
Sun, Oct 11
12:00 PM – 2:00 PM
About this home
4625 NW 21ST TERRACE
Virtually Staged. Welcome to this charming home in the desirable Rainbows End neighborhood, ideally located within walking distance to Norton Elementary and just 10 minutes from the University of Florida and Santa Fe College. Enjoy convenient access to Publix, shopping, restaurants, and everyday amenities. The home features a newer HVAC system, a desirable split-bedroom floor plan, and a spacious enclosed porch that provides additional living or entertaining space. Located on a quiet cul-de-sac, this property offers a peaceful setting with a large backyard perfect for relaxing, playing, or entertaining. A great combination of comfort, convenience, and location!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,867
Sqft
0.24 ac
Lot size
2
Garage
1991
Year built
One
Levels
$174
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.
$2,611 /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
$2,611/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
+4.5%
$/sqft vs Gainesville actives
$174 vs $198
Days on market
12 vs 75 typical
Where $174/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 Rainbows End
Get to know Gainesville. See the full Gainesville guide →
Rainbows End — neighborhood snapshot
Population
1,016
Median age
33
Median income
$101,250
Median home value
$242,000
Avg household
3
Households w/ children
150
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)
241 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 30% above the GAINESVILLE 32605 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 4625 NW 21ST TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$390,000
2138 NW 29TH PLACE
4 bd · 2 ba · 1,764 sqft · $221/sqft · 6 DOM
Sold · May ’26$455,000
2921 NW 30TH TERRACE
3 bd · 2 ba · 1,984 sqft · $229/sqft · 4 DOM
Sold · Apr ’26$298,900
3110 NW 21ST STREET
3 bd · 2 ba · 1,748 sqft · $171/sqft · 59 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4625 NW 21ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4625 NW 21ST TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4625 NW 21ST TERRACE FAQs
What would the monthly payment be for 4625 NW 21ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,611/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 4625 NW 21ST TERRACE?+
The most recent tax bill on record (2025) was $4,731. 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 $325,000, this home is listed about 14% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4625 NW 21ST TERRACE?+
C. W. Norton Elementary School (elementary), Gainesville High School (high), Westwood Middle School (middle) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SUSKIN REALTY INC · Samuel Suskin. MLS #GC543590.
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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