CENTURY 21 Edge
$849,9005 bd3.5 ba3,322 sqft$256 /sqft≈$6,294 /mo all-in ↓

5629 NW 97TH STREET, GAINESVILLE, FL, 32653

Active9 days on marketListed Oct 1, 2026MLS #GC543863

Single Family ResidenceHAMMOCK THE

About this home

5629 NW 97TH STREET

Tucked into the trees on 1.62 acres in The Hammock, this architecturally designed residence offers a rare combination of privacy, natural beauty, and thoughtful design, with sweeping views across a private pond and the surrounding woods. Originally built by Mike Warring and extensively updated in recent years, the home feels distinctly connected to its setting, with expansive windows, multiple balconies and decks, and water views from nearly every living space. New ultra-modern front doors open to a dramatic sunken living room, where soaring windows frame the pond beyond and immediately establish the home’s sense of place. Recently refinished hardwood floors and matching beams carry throughout the main living areas, while a wood-burning fireplace adds warmth to the otherwise clean, architectural space. To the right, the completely renovated kitchen features sage green cabinetry, quartz countertops, a marble backsplash, and JennAir and KitchenAid appliances. An oversized working island connects the kitchen to the dining area and a second living space, all overlooking the water and opening onto an expansive rear deck. Just beyond, a wet bar with wine refrigerator and an updated powder bath make the space equally well suited for entertaining or quiet evenings at home. The opposite side of the main level offers three generously sized guest bedrooms and a beautifully renovated bathroom with a dual-sink vanity. A spiral staircase leads to an unexpected second-floor bonus suite with its own full bathroom, sleeping alcove, and private balcony—an ideal space for guests, a studio, or a secluded retreat. Up the central staircase, the entire upper wing is dedicated to the primary suite. Completely private from the rest of the home, it includes its own wood-burning fireplace, private balcony overlooking the pond, an oversized walk-in closet, spacious updated bathroom, and a separate office or flex room. Outside, extensive landscaping complements the wooded setting without competing with it. Multiple decks and balconies create a constant connection to the water, while the 1.62-acre homesite provides remarkable privacy within one of Northwest Gainesville’s most established neighborhoods. With San Felasco Hammock Preserve State Park just beyond the neighborhood, the setting feels removed from the city while remaining convenient to shopping, dining, mountain biking, running trails, and everything else northwest Gainesville has to offer. Architectural, private, and exceptionally peaceful, this is a home defined as much by its setting as its design- one that feels entirely different from the moment you step through the front door.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,322

Sqft

1.62 ac

Lot size

2

Garage

1979

Year built

Two

Levels

$256

Per sqft

FireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringTile · Hardwood
AppliancesRefrigerator
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryNone
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionCedar
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ExteriorAwning(s) · Balcony · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sidewalk

Community & fees

HOA fee$93/mo
Taxes (2025)$13,629/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Public · Street Lights · Water Available · Water Connected
WaterPublic

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.

$6,294 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$1,136
HOA fee — from the listing$93
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,990
Interest rate6.00%
Loan term

Estimated payment

$6,294/mo

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property taxes (actual bill)$1,136
HOA / condo fee$93
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $850K
$497KedgeAI estimate $574,861 · range $517K–$632K$884K

vs edgeAI estimate

+47.8%

$/sqft vs Gainesville actives

$256 vs $198

Days on market

9 vs 77 typical

Where $256/sqft sits among the 400 Gainesville actives

76
89
103
68
28 · this home
36
$120–153$153–186$186–218$218–251$251–284$284+

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 32653 — neighborhood snapshot

Population

15,457

Median age

44.4

Median income

$97,700

Median home value

$273,700

Avg household

2.4

Households w/ children

1,735

For the school run

Alachua County School District

ElementaryC. W. Norton Elementary School★★★★★
MiddleWestwood Middle School★★★★★
HighGainesville High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Gainesville market

Seller’s marketLeans seller — 3.9 months of inventoryBuyer’s market

$294K → $309K

Gainesville median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

245 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 189% above the GAINESVILLE 32653 median. See the full Gainesville market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $849,900 · 9 days on market since
1979Built · HAMMOCK THE

Reality check

What actually sold near 5629 NW 97TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9601 NW 62ND LANESold · May ’26

$715,000

9601 NW 62ND LANE · same community

4 bd · 3 ba · 3,252 sqft · $220/sqft · 51 DOM

9510 NW 59TH LANESold · Sep ’26

$730,000

9510 NW 59TH LANE · same community

3 bd · 2 ba · 3,013 sqft · $242/sqft · 143 DOM

6325 NW 97TH COURTSold · Jul ’26

$449,000

6325 NW 97TH COURT · same community

4 bd · 3 ba · 2,769 sqft · $162/sqft · 4 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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5629 NW 97TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5629 NW 97TH STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5629 NW 97TH STREET FAQs

What would the monthly payment be for 5629 NW 97TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,294/mo — principal and interest, the actual property-tax bill, the $93/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 5629 NW 97TH STREET?+

The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5629 NW 97TH STREET?+

The most recent tax bill on record (2025) was $13,629. 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 5629 NW 97TH STREET?+

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 $849,900, this home is listed about 198% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5629 NW 97TH STREET?+

C. W. Norton Elementary School (elementary), Westwood Middle School (middle), Gainesville High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Jonathan Mills. MLS #GC543863.

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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