9978 SW 98th Ter, photo 1
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Overview

4 bd3 ba1,866 sqft2 car garageSingle Family
TypeSingle Family
HOA$115/qtr
Built2005
Lot43,560 sqft
Living area1,866 sqft
Price / sqft$230
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSmart HomeSplit BedroomThermostat

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.

From the listing

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.

The essentials

Built
2005
Price / sqft
$230
On market
52 days
Annual tax
$5,298
HOA
$115/qtr
Flood zone
X · Low risk
Lot
43,560 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
2 car garage
Driveway
1.00 acres
Lot size
1,866 sqft
Living area

Payment

Est. monthly payment
$2,936/mo
Down payment (20%)
$85,980
Property taxes
$442/mo
HOA
$115/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
43,560 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Faces Side
Days on Market
52
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Split Bedroom
Thermostat
Park
Playground
Dishwasher
Disposal
Microwave
Range
Range Hood
Refrigerator
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,298
Parcel #
07350-044-109

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hammock Ridge Unit 3-f
County
Alachua
MLS Area
32608 - Gainesville
Lot Size
43,560 sqft
HOA
$115/qtr
Monica Berrios

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #GC543040
$429,900-2.3%
$230/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #GC543040
$439,900
$236/sqft

Neighborhood

9978 SW 98th Ter
Gainesville, FL, 32608 · 32608 - Gainesville

Market insights

Offer Insights

Choose an offer strength

List price: $429,900
$427,500 – $429,900
99.5% – 100% of listTops out right at the list price
80% of listList price
125 of the last 243 home closings in 32608 landed at this number or higher (51%). The median one sat 28 days before it went under contract, and this one is on day 52 after a $10,000 cut.

Sample: 243 closed home sales in 32608 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,937/mo
Principal & interest$2,242
Property taxes$442
Insurance$215
HOA$38
Down payment20% · $85,980
Interest rate6.80%
Loan term

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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.

Offer

What should I offer?

Have another question?

Brokered byHOMETOWN REALTY OF NORTH FLORIDA, INCListing agent: Stephanie BarronListing data from Stellar MLS, MLS# GC543040.

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