1010 NW 120TH STREET, GAINESVILLE, FL, 32606
Active2 days on marketListed Aug 6, 2026MLS #GC542511
About this home
1010 NW 120TH STREET
Virtually Staged. Welcome home! This versatile property offers a spacious 3-bedroom, 2-bath main home plus a private 1-bedroom, 1-bath in-law suite with its own separate entrance, making it the perfect setup for multi-generational living, guests, a home office, or rental income potential. Inside the main home, you’ll love the open floor plan featuring vaulted ceilings, updated flooring, oversized windows that fill the space with natural light, and a cozy fireplace. The large kitchen offers plenty of cabinet and counter space and opens to a separate dining area, while an additional sitting room provides flexible living space for relaxing or entertaining. A separate laundry room adds everyday convenience. Step outside to one of the home’s standout features—an oversized covered back deck and covered patio overlooking a peaceful wooded backdrop. Whether you’re enjoying your morning coffee, hosting friends, or simply unwinding, this outdoor space is made to be enjoyed. Conveniently located just minutes from shopping, dining, schools, and major commuter routes, this Gainesville home offers the space, flexibility, and privacy you’ve been looking for. Don’t miss your opportunity to make it yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,357
Sqft
0.23 ac
Lot size
1999
Year built
One
Levels
$163
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,953 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,953/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−15.2%
Days on market
2 vs 45 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32606 — neighborhood snapshot
Population
23,313
Median age
41
Median income
$79,888
Median home value
$319,300
Avg household
2.2
Households w/ children
2,630
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$294K → $333K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% above the GAINESVILLE 32606 median. See the full Gainesville market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1010 NW 120TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1010 NW 120TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1010 NW 120TH STREET FAQs
What would the monthly payment be for 1010 NW 120TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,953/mo — principal and interest, the actual property-tax bill, the $57/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1010 NW 120TH STREET?+
The association fee works out to $57 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1010 NW 120TH STREET?+
The most recent tax bill on record (2025) was $3,596. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1010 NW 120TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Gainesville?+
At $385,000, this home is listed about 29% above the Gainesville median of $297,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1010 NW 120TH STREET?+
Hidden Oak Elementary School (elementary), Fort Clarke Middle School (middle), F. W. Buchholz High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$385,000 runs 22% above the GAINESVILLE 32606 median — but at 2,357 sqft it's also 63% larger than the typical Gainesville listing.
02Fresh on the market
Only 2 days on market in a Gainesville market that averages 45 — if it fits, move quickly.
03Strong assigned schools
Hidden Oak Elementary School, Fort Clarke Middle School, F. W. Buchholz High School — Hidden Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of CORNERSTONE MANAGEMENT SERVICES · Connor Williams. MLS #GC542511.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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