$429,900
9978 98th TerraceGainesville, FL 32608
Listing updated: September 21, 2026 at 11:27 AM ET
Listing courtesy of Hometown Realty Of North Florida, Inc · Stephanie Barron · MLS #GC543040 · Active · 352-463-9001Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history20 days on market
- Status: ActiveSep 1, 2026
- Listed$439,900Sep 1, 2026
- Price reduced$429,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 20
- Subdivision
- Hammock Ridge Unit 3-F
- County
- Alachua
- Year built
- 2005
- Living area
- 1,866 sq ft
- Price/sq ft
- $230
- Building area
- 2,708 sq ft (Public Records)
- Lot size
- 43,560 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- X (12001C0430E)
- Garage
- 2 spaces
- Annual taxes
- $5,298 (2025)
- Parcel #
- 07350-044-109
- Zoning
- PD
- MLS #
- GC543040
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile, Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Microwave, Range, Range Hood, Refrigerator, Water Softener
- Interior features
- Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Smart Home, Split Bedroom, Thermostat
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- East
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Faces Side
HOA & Financial
- HOA fee
- $115 / Quarterly
- Monthly HOA
- $38/mo
- Total monthly fees
- $38/mo
- Total annual fees
- $460
- HOA name
- Monica Berrios
- CDD
- No
- Homestead exemption
- Yes
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- No
Exterior & Construction
- Construction materials
- HardiPlank Type
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Well
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Kitchen | First | |
| Dining Room | First | |
| Primary Bedroom | First | |
| Primary Bathroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Bedroom 4 | First | |
| Bathroom 2 | First | |
| Bathroom 3 | First | |
| Laundry | First |
Listing Details
- Listing date
- 2026-08-25
- On market date
- 2026-09-01
- Original list price
- $439,900
- Occupant type
- Owner
- MLS area
- 32608 - Gainesville
- Listing AOR
- Gainesville-Alachua
- Status changed
- 2026-09-01
- Tax legal description
- HAMMOCK RIDGE UNIT III-F PB 26 PG 2 LOT 109 OR 5124/2432
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From SR 24/Archer Road, turn south onto SW 84th Blvd. Turn right onto SW 107th St. At the dead end, turn left onto SW 101st Ave. Turn left onto SW 98th Terrace; home will be on the left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of September 21, 2026 at 11:27 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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