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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·113 days on market

3324 SW 49th Terrace

Gainesville, FL 32608

$425,000$259/sqftEst. $2,354/moMLS# 2152504
↓ $14,000 below original list
3
Beds
2.5
Baths
1,640
Sq Ft
2022
Built
1
Garage
No
Pool
FEMA Zone XHOA $300/moTownhouse2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Gainesville

Experience elevated living in the heart of Celebration Pointe. This stunning two-story townhome features 3 bedrooms, 2.5 bathrooms, and a bright open-concept floor plan filled with natural light. Designed for both everyday living and entertaining, it offers stylish living spaces, a modern kitchen, and an attached one-car garage. Enjoy the ultimate walkable lifestyle with premier shopping, exceptional restaurants, a movie theater, and scenic walking paths just steps away. Resort-style amenities include a sparkling community pool, cabana, spa, and beautifully maintained common areas. Located minutes from the University of Florida, top-ranked healthcare, and Gainesville's thriving innovation district, this home blends luxury, convenience, and lifestyle--perfect as a primary residence, game-day getaway, or investment opportunity.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,354
HOAbilled monthly$300
Estimated total, before insurance$2,654/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$425,000
$85,000
Loan Term
Monthly Payment
$2,354
Principal & Interest: $2,354
Insurance (est.): $283
Estimated Total Monthly
$2,637
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Tar/Gravel — year not disclosed (home built 2022)

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

Solar potential: ~1,682 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Price & status history

  • Sep 25, 2026Price change$425,000−$5,000
  • Sep 4, 2026Price change$430,000−$5,000
  • Jul 10, 2026Price change$435,000−$4,000
  • Jun 26, 2026Listed$439,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $240/sq ft; this home is listed at $259/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3317 SW 50th Drive, Gainesville, FL 32608Listed by REAL BROKER LLCJun 2026$445,000$2403/2.51,8561470
4700 SW Archer Road D27, Gainesville, FL 32608Listed by EPIQUE REALTY, INCMay 2026$193,000$1183/31,629500.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$425,000
Price / Sq Ft$259
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,640
Year Built2022
TypeResidential
Sub-TypeTownhouse
StyleContemporary
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryIdylwild
MiddleKanapaha
HighGainesville

Community Information

Address3324 SW 49th Terrace, Gainesville, FL 32608
Area707-Gainesville-Southwest-West Of I-75
SubdivisionCelebration
CityGainesville
CountyAlachua
StateFL
Zip Code32608
Parcel Number06820010006

Amenities

AmenitiesPool
UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level
Spa FeaturesCommunity

Exterior

Patio / PorchPatio
RoofTar/Gravel
Road SurfacePaved

Additional Information

Date ListedJune 26, 2026
Days on Market91
HOA Fees$300 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENGEL & VOLKERS FIRST COAST

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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