Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·27 days on market

1215 NW 55th Street 7

Gainesville, FL 32605

$229,900$176/sqftEst. $1,182/moMLS# 2158328

Beds

Baths

1,307

Sq Ft

2004

Built

—

Garage

Pool

About this home

Gainesville

Welcome home to this beautifully updated 2-bedroom, 2-bath condo where modern upgrades and everyday comfort come together. Major improvements provide peace of mind, including a new roof, HVAC system, and water heater--all installed in 2025. The stylish kitchen is a chef's delight, featuring a gas stove, new dishwasher, updated faucets, and plenty of space to prepare your favorite meals. The open, light-filled living area is enhanced by soaring ceilings and abundant natural light, creating a bright and inviting atmosphere. Upstairs, the versatile loft overlooks the expansive living space, making it perfect for a home office, reading nook, or guest retreat. Step outside to your own private patio oasis, where you can relax and enjoy the beauty of nature in a peaceful setting. Ideally located in Northwest Gainesville, this home offers exceptional convenience with easy access to the University of Florida, shopping, dining, parks, and major roadways.

Cost to own

Mortgage calculator

Home Price

$229,900

Down Payment: 20%

$45,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,182

Principal & Interest: $1,182

Insurance (est.): $153

Estimated Total Monthly

$1,335

*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$1,182

HOAbilled monthly$341

Estimated total, before insurance$1,523/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,856/yr · $321/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,856/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

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: Shingle — year not disclosed (home built 2004)

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: ~1,594 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 August 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