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Single Family ResidenceResidential
$408,579$231 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $286,500 on Apr 22, 2021

120 SW 86TH TER

GAINESVILLE, FL 32607
3
Beds
2
Baths
1,766 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$409K
$393K low$424K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$286,500 · Apr 22, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$136,404
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,123
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.69%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$272,175
PLANET HOME LENDING LLC · recorded Apr 22, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,979 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$216,183 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$210,091
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$294,589

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
47
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyAlachua
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1995
Lot (acres)The size of the land the home sits on, from county records.0.54
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 476 ft²Porch · 466 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Myra A. Terwilliger Elementary SchoolD+
Elementary · Grades KG–5 · 1.6 mi
H
F. W. Buchholz High SchoolB
High · Grades 9–12 · 2.7 mi
M
Kanapaha Middle SchoolB+
Middle · Grades 6–8 · 3.1 mi

District: Alachua County School District

Neighborhood · ZIP 32607These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.38,519
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,934 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,241
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,435
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

120 Sw 86th Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Gainesville 32607
  • Costs more per square foot than 87% of homes in Gainesville 32607
  • Has a bigger lot than 78% of homes in Gainesville 32607
  • Older than 69% of homes in Gainesville 32607

What homes are worth in Gainesville 32607

Each bar is how many homes fall in that price range. The marker is this home.

This home
$93K$964K

This home is worth more than 74% of homes in Gainesville 32607.

How it measures up in Gainesville 32607

The dot is this home. The mark in the middle is the typical home in Gainesville 32607.

Estimated value$408,579
CheaperTypical $297,139Pricier

Pricier than 74% of homes nearby

Price per ft²$231
CheaperTypical $176Pricier

Pricier than 87% of homes nearby

Living area1,766 ft²
SmallerTypical 1,606 ft²Bigger

Bigger than 58% of homes nearby

Lot size0.54 ac
SmallerTypical 0.24 acBigger

Bigger than 78% of homes nearby

Year built1977
OlderTypical 1984Newer

Newer than 31% of homes nearby

How 120 Sw 86th Ter ranks against every home in each area.
MeasureThis homeGainesville 32607Alachua County
Estimated valuepricier than$408,57974% of homes74% of homes
Price per ft²pricier than$23187% of homes84% of homes
Living areabigger than1,766 ft²58% of homes60% of homes
Lot sizebigger than0.54 ac78% of homes69% of homes
Year builtnewer than197731% of homes33% of homes

About 120 Sw 86th Ter

How much is 120 Sw 86th Ter, Gainesville, FL worth?

The TopHap Estimate for 120 Sw 86th Ter, Gainesville, FL is $408,579 as of Jul 14, 2026. The likely range is $392,736 to $424,422. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Sw 86th Ter, Gainesville, FL last sell?

120 Sw 86th Ter, Gainesville, FL last sold on Apr 22, 2021 for $286,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 120 Sw 86th Ter, Gainesville, FL?

120 Sw 86th Ter, Gainesville, FL has 3 bedrooms, 2 bathrooms, 1,766 square feet of living space and a 0.54-acre lot.

When was 120 Sw 86th Ter, Gainesville, FL built?

120 Sw 86th Ter, Gainesville, FL was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 120 Sw 86th Ter, Gainesville, FL?

120 Sw 86th Ter, Gainesville, FL is assigned to Myra A. Terwilliger Elementary School (elementary), rated D+; F. W. Buchholz High School (high), rated B; Kanapaha Middle School (middle), rated B+. All sit in Alachua County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Sw 86th Ter, Gainesville, FL compare to other homes in Gainesville 32607?

Among the 7,705 homes in Gainesville 32607, it is worth more than 74% of them ($408,579 against a typical $297,139), its price per square foot is higher than 87% of them ($231 against a typical $176), it is bigger than 58% of them (1,766 ft² against a typical 1,606 ft²), its lot is bigger than 78% of them (0.54 ac against a typical 0.24 ac) and it is newer than 31% of them (1977 against a typical 1984). Measured against all of Alachua County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 120 Sw 86th Ter, Gainesville, FL?

The 2024 property tax bill for 120 Sw 86th Ter, Gainesville, FL was $3,979. The county assessed it at $216,183.

Closest homes

More homes in Gainesville 32607

Assigned schools

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