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·21 days on market

8515 NW 39th Terrace

Gainesville, FL 32653

$229,000$199/sqftEst. $1,177/moMLS# 2159055

Beds

Baths

1,152

Sq Ft

1981

Built

Garage

Pool

About this home

Gainesville

Welcome to easy living in the desirable Turkey Creek Forest 55+ community! This well-maintained 2-bedroom, 2-bath home offers comfort, convenience, and a low-maintenance lifestyle. Featuring a 1-car garage, the home has been lovingly cared for and is move-in ready. Enjoy all the amenities this active adult community has to offer, including a community pool, clubhouse, and a variety of activities designed to help you stay active and connected. Conveniently located near shopping, dining, and medical facilities, this home is the perfect place to relax and enjoy your next chapter. Don't miss your opportunity to own a beautiful home in one of Gainesville's most sought-after 55+ communities!

Cost to own

Mortgage calculator

Home Price

$229,000

Down Payment: 20%

$45,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,177

Principal & Interest: $1,177

Insurance (est.): $153

Estimated Total Monthly

$1,330

*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$1,177

HOAbilled annually$43

Estimated total, before insurance$1,220/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: Shingle — year not disclosed (home built 1981)

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: ~1,210 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 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