432 SE 15TH STREET, GAINESVILLE, FL, 32641
Active12 days on marketListed Jul 27, 2026MLS #GC542229
About this home
432 SE 15TH STREET
Conveniently located on NW 15th Street, this updated home offers numerous improvements and is ready for its next owner. Recent updates include a metal roof (2019), remodeled kitchen, updated windows in the living room and bedrooms, a 200-amp main electrical panel, new receptacles and light switches, updated bathroom vanity and shower valve, new ductwork, and new flooring in the kitchen and bedrooms. Outside, you'll find a spacious backyard, a large storage shed, and a welcoming front porch. The property is a short distance to the elementary and middle schools, with a short drive to the high school, shopping, dining, and other local amenities. The home has a history as a long-term rental, having been leased for the past three years, providing additional flexibility for future use. Schedule your private showing today to see all this property has to offer.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
968
Sqft
0.25 ac
Lot size
1956
Year built
One
Levels
$155
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 — not generic estimates.
$1,196 /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
$1,196/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
−29.8%
$/sqft vs Gainesville actives
$155 vs $203
Days on market
12 vs 45 typical
Where $155/sqft sits among the 400 Gainesville actives
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 North Lincoln Heights
Get to know Gainesville. See the full Gainesville guide →
North Lincoln Heights — neighborhood snapshot
Population
373
Median age
45
Median income
$29,704
Median home value
$143,178
Avg household
2
Households w/ children
62%
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)
187 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 17% below the GAINESVILLE 32641 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 432 SE 15TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$184,000
1522 SE 13TH PLACE
3 bd · 1 ba · 960 sqft · $192/sqft · 300 DOM
Sold · Jun ’26$195,000
1601 SE 12TH PLACE
3 bd · 1 ba · 960 sqft · $203/sqft · 12 DOM
Sold · Apr ’26$185,000
1617 SE 12TH AVENUE
3 bd · 1 ba · 960 sqft · $193/sqft · 6 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.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 432 SE 15TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 432 SE 15TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
432 SE 15TH STREET FAQs
What would the monthly payment be for 432 SE 15TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,196/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 432 SE 15TH STREET?+
The most recent tax bill on record (2025) was $1,049. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Gainesville?+
At $149,900, this home is listed about 50% below the Gainesville median of $297,500. The market section on this page shows how the area is trending.
Which schools are assigned to 432 SE 15TH STREET?+
Joseph Williams Elementary School (elementary), Abraham Lincoln Middle School (middle), Eastside High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MILLER REAL ESTATE · Natalie Thomas. MLS #GC542229.
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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