Steeve Cadeau
$189,000$199,0002 bd2.5 ba1,094 sqft$173 /sqft$1,732 /mo all-in ↓

2132 SW 39TH DRIVE, GAINESVILLE, FL, 32607

Active19 days on marketListed Jul 6, 2026MLS #GC541699

Reduced $10KTownhouseREPLAT PT MILL RUN

About this home

2132 SW 39TH DRIVE

Move right into this beautifully updated 2-bedroom, 2.5-bath end-unit townhome in the desirable Mill Run community. Thoughtfully renovated, this home combines modern finishes, low-maintenance living, an unbeatable location just minutes from the University of Florida, and a low HOA! The extensive 2018 renovations included all-new kitchen and bathroom cabinetry, granite countertops throughout, stainless steel appliances, luxury vinyl plank flooring throughout the home, energy-efficient windows and sliding glass doors, a walk-in tiled shower in the primary suite, and a tiled tub/shower combination in the guest bath. The HVAC was replaced in 2020 for added peace of mind. The first floor offers a bright, open layout featuring a spacious living room, dining area, updated kitchen with pantry, and a convenient half bath for guests. Upstairs, both generously sized bedrooms feature vaulted ceilings, large picture windows, and custom closet systems designed for maximum organization. Step outside to enjoy both the front and back patios, enhanced with beautiful paver additions, while the covered porch leads to a separate laundry room. The backyard also offers the option to be fully fenced, creating additional privacy for pets or outdoor entertaining. The attention to detail continues throughout the home with upgraded outlets, light switches, and ceiling fans. Even better, the HOA recently completed major exterior improvements, including a new roof, new front porch fence, and fresh exterior paint in 2025, while continuing to maintain the roof, exterior walls, and front fencing. Mill Run is ideally located on the UF student bus route and less than one mile from the University of Florida. You'll also enjoy quick access to Butler Plaza, Celebration Pointe, shopping, dining, entertainment, and major roadways. Homes at this price point with this level of updates, low-maintenance living, and prime location don't come along often. Schedule your private showing today!

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,094

Sqft

0.02 ac

Lot size

1985

Year built

Two

Levels

$173

Per sqft

NegotiablePets allowed

Inside

FlooringLuxury Vinyl
AppliancesCooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Window Treatments
LaundryOutside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Cement Siding · Wood Siding
FoundationSlab
FacesSoutheast
ParkingCommon
ExteriorLighting · Sidewalk · Sliding Doors

Community & fees

HOA fee$216/mo
Taxes (2025)$1,917/yr
PetsYes
CommunityCommunity Mailbox

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$1,732 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property tax — 2025 actual bill$160
HOA fee — from the listing$216
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,615Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,615
Interest rate6.00%
Loan term

Estimated payment

$1,732/mo

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property taxes (actual bill)$160
HOA / condo fee$216
Est. insurance$160

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.

List $189K
$148KedgeAI estimate $157,797 · range $154K$168K$197K

vs edgeAI estimate

+19.8%

$/sqft vs Gainesville actives

$173 vs $198

Days on market

19 vs 36 typical

Where $173/sqft sits among the 400 Gainesville actives

81
104 · this home
80
64
32
39
$126–160$160–193$193–227$227–260$260–293$293+

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

Map of 2132 SW 39TH DRIVE

Get to know Gainesville. See the full Gainesville guide →

GAINESVILLE 32607 — neighborhood snapshot

Population

31,938

Median age

26.9

Median income

$46,517

Median home value

$297,800

Avg household

2.2

Households w/ children

2,649

For the school run

Alachua County School District

ElementaryLawton M. Chiles Elementary School★★★★
MiddleFort Clarke Middle School★★★★★
HighF. W. Buchholz High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Gainesville market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$320K$312K

Gainesville median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

182 of 400

Gainesville actives have cut their price

Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1% below the GAINESVILLE 32607 median. See the full Gainesville market guide →

Paper trail

This home's history

CurrentPrice reduced to $189,000 $10K
Jul 6, 2026Listed at $199,000 · 19 days on market since
1985Built · REPLAT PT MILL RUN

Reality check

What actually sold near 2132 SW 39TH DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2202 SW 39TH DRIVESold · Jun ’26

$130,000

2202 SW 39TH DRIVE · same community

2 bd · 2.5 ba · 1,094 sqft · $119/sqft · 15 DOM

2118 SW 39TH DRIVESold · Sep ’25

$151,000

2118 SW 39TH DRIVE · same community

2 bd · 2.5 ba · 1,094 sqft · $138/sqft · 43 DOM

2213 SW 39TH WAYSold · Jun ’26

$145,000

2213 SW 39TH WAY · same community

2 bd · 2.5 ba · 1,094 sqft · $133/sqft · 267 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2132 SW 39TH DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2132 SW 39TH DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

2132 SW 39TH DRIVE FAQs

What would the monthly payment be for 2132 SW 39TH DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,732/mo — principal and interest, the actual property-tax bill, the $216/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 2132 SW 39TH DRIVE?+

The association fee works out to $216 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2132 SW 39TH DRIVE?+

The most recent tax bill on record (2025) was $1,917. 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 2132 SW 39TH DRIVE?+

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 $189,000, this home is listed about 36% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.

Which schools are assigned to 2132 SW 39TH DRIVE?+

Lawton M. Chiles 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.

Listing courtesy of BHGRE THOMAS GROUP · Holly Moebus. MLS #GC541699.

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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