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Active

Active·129 days on market

8475 NW 39th Circle

Gainesville, FL 32653

$274,500$229/sqftEst. $1,411/moMLS# 2141438

Beds

Baths

1,200

Sq Ft

1988

Built

Garage

Pool

About this home

Gainesville

Welcome to 8475 NW 39th Cir, a beautifully updated ranch-style home in the well-known Turkey Creek Forest community in Gainesville, Florida. This single-family home blends comfort, style, and convenience in a quiet, established setting designed for easy living. Step inside and notice the fresh, modern feel right away. The home features new flooring, fresh interior and exterior paint, and a fully updated look throughout. The kitchen shines with new appliances, creating a clean and functional space that flows easily into the main living areas. Both bathrooms have been remodeled with a sleek, refreshed design that adds to the home's move-in-ready appeal. The layout offers 2 bedrooms and 2 bathrooms across 1,200 square feet, designed for simplicity and low maintenance.

Cost to own

Mortgage calculator

Home Price

$274,500

Down Payment: 20%

$54,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,411

Principal & Interest: $1,411

Insurance (est.): $183

Estimated Total Monthly

$1,594

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$1,411

HOAbilled annually$43

Estimated total, before insurance$1,454/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1988)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Gainesville Regional Utilities · Public water (record)

County records show this parcel on central sewer served by Gainesville Regional Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,436 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History