3289 SW 120TH TERRACE, GAINESVILLE, FL, 32608
Active111 days on marketListed Apr 21, 2026MLS #GC539659
About this home
3289 SW 120TH TERRACE
Virtually Staged. Don’t miss this exceptional opportunity to experience in the highly sought-after Oakmont community—one of Gainesville’s premier resort-style neighborhoods. Built in 2022, this beautifully appointed 3-bedroom, 2-bath residence with a dedicated bonus/office den offers the perfect blend of modern design, comfort, and elevated outdoor living. Inside, you’ll find a thoughtfully designed split-bedroom floor plan featuring a spacious owner’s suite with a generous walk-in closet and a beautifully finished en-suite bath showcasing a walk-in shower and elegant finishes. The additional bedrooms provide comfort and privacy, while the versatile bonus/office den offers ample space for a fully equipped home office or flex space tailored to your lifestyle. The heart of the home showcases an open-concept layout where the kitchen, dining, and living areas flow seamlessly together, creating an inviting space ideal for both everyday living and entertaining. Step outside to a large covered lanai designed for effortless outdoor enjoyment. The backyard has been enhanced with stylish pavers, easy-maintenance landscaping, and a built-in 6-person Jacuzzi/spa, creating a private retreat that perfectly balances relaxation and resort-style living. A fully fenced yard adds both privacy and convenience. Residents of Oakmont enjoy access to an impressive array of resort-style amenities, including a spectacular pool, fitness center, pickleball and tennis courts, scenic walking trails, and beautifully maintained community spaces designed for connection and recreation. Ideally located just minutes from the University of Florida, UF Health, the VA, I-75, premier shopping, dining, and entertainment, this home offers the perfect combination of luxury, convenience, and lifestyle. Schedule your private VIP showing today and experience Oakmont living at its finest.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,180
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$293
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.
$5,047 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,047/mo
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.
vs edgeAI estimate
−7.3%
$/sqft vs Gainesville actives
$293 vs $201
Days on market
111 vs 44 typical
Where $293/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 Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32608 — neighborhood snapshot
Population
53,966
Median age
30.2
Median income
$60,182
Median home value
$340,200
Avg household
2.3
Households w/ children
4,332
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 → $323K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
184 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 184% above the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3289 SW 120TH 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 ’25$575,000
3286 SW 120TH TERRACE · same community
4 bd · 3 ba · 2,234 sqft · $257/sqft · 96 DOM
Sold · May ’26$580,000
12048 SW 35TH PLACE · same community
3 bd · 2 ba · 1,965 sqft · $295/sqft · 2 DOM
Sold · Feb ’26$731,850
3751 SW 120TH DRIVE · same community
4 bd · 3 ba · 2,541 sqft · $288/sqft · 47 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3289 SW 120TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3289 SW 120TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
3289 SW 120TH TERRACE FAQs
What would the monthly payment be for 3289 SW 120TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,047/mo — principal and interest, the actual property-tax bill, the $8/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 3289 SW 120TH TERRACE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3289 SW 120TH TERRACE?+
The most recent tax bill on record (2025) was $14,266. 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 3289 SW 120TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $639,500, this home is listed about 116% above the Gainesville median of $296,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3289 SW 120TH TERRACE?+
Idylwild Elementary School (elementary), Kanapaha Middle School (middle), Eastside High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$639,500 runs 184% above the GAINESVILLE 32608 median — but at 2,180 sqft it's also 52% larger than the typical Gainesville listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
111 days on market against a Gainesville median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $649,500, now $639,500 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Dustin Sims. MLS #GC539659.
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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