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About this home
9978 SW 98th Ter is a 2005-built home in Hammock Ridge Unit 3-f, Gainesville. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,866 square feet of living space. Listed at $429,900 (about $230/sqft), 52 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 quarterly.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$429,900
$230 per sq ft
Beds and baths
4 beds, 3 baths
Size
1,866 sq ft
Time on market
52 days
Year built
2005
Monthly payment
About $2,936/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,298 annual tax bill, insurance, and the $115/qtr HOA fee.
HOA fee
$115/qtr
Managed by Monica Berrios.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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