Condominium in KENSINGTON SOUTH, GAINESVILLE · No CDD
KENSINGTON SOUTH · GAINESVILLE, FL 32607 · Alachua
Listing data updated September 6, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
1,176Sq Ft
2001Year Built
$139Per Sq Ft
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
3% below
$/sq ft vs community
$139 here vs $143 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~66 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 6, 2026, 3901 Sw 20Th Avenue #509 in Kensington South, Gainesville is listed at $164,000 (1,176 sq ft, about $139 per sq ft). That sits within a few percent of Kensington South's median closed sale of $168,000 over the last 12 months (3 recorded sales). It came to market within the past week. Listing facts: built in 2001, HOA dues of $212/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
1,176 sq ft of living area
Listed at $164,000 — recent neighborhood median sale price ~$168,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $212/mo (per listing)
Momentum Research · KENSINGTON SOUTH
Pricing & the KENSINGTON SOUTH market
How this home is priced against recent nearby sales, and where KENSINGTON SOUTH has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $139/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2001BuiltPer public record
Aug 27, 2026First trackedObserved at $164,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,275/mo
Principal & interest $847/mo66%
Taxes $144/mo11%
Insurance $72/mo6%
HOA $212/mo17%
$1,275/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Alachua County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $2,625/yr ($219/mo)
-$750 more each year
(--29%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
59/100
Strongest on: Flood safety (95), Insurance cost (70)
0 limited50100 exceptional
59/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area57
This home $139/sq ft vs the community 12-month median $143/sq ft.
Affordability54
List price $164,000 vs the community median $168,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~66 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2001 build. Obtain a property-specific quote.
Market liquidity36
Community median 122 days on market, ~4.0 months of supply (12-month record).
Renovation upside48
From a 2001 build and $139/sq ft vs the community median $143/sq ft. Not a condition assessment.
Buyer competition40
60% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power70
Recent sales closed at about 94.0% of original asking (~6.0% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 1 days on market for this home, against a 122-day area median.Days on market:this home 1Area median: 122 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. As of August 2, 2026.
🟡 Asking $139 per square foot, about 3% below the community’s $143 median. KENSINGTON SOUTH’s 12-month median sold price per square foot is $143. Median sold price per square foot is down 6.4% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent KENSINGTON SOUTH sales closed near 94.0% of original asking. Cash paid for about 60% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in KENSINGTON SOUTH, no CDD assessment.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Buying near campus usually comes down to three questions. Is it close, is it low maintenance, and does the layout actually work? This property is the answer.
Multiple RTS routes run to campus, so a car is optional, and UF, Shands, downtown, Celebration Pointe, and Butler Plaza are all a short drive. Low maintenance is built in. The association covers exterior upkeep, the roof, and high speed internet.
No yard, no roof, no exterior to think about. Inside the walls is yours, the way it should be. The layout is the part that sells this place.
All 1,176 square feet work across two floors, with the living, dining, kitchen, and laundry downstairs, plus a half bath for guests, which keeps all of the common space on one level, ideal for entertaining. Tile runs through the entire first floor, with a star inlay at the base of the stairs. The kitchen is thoughtfully laid out with plenty of storage, a stainless range, and a well placed window that looks into the trees rather than a building.
Upstairs, there are two spacious bedrooms, each with its own full bath. Perfect if you value convenience and privacy. There is carpet throughout the bedrooms and stairs, and both baths have been updated with wood look tile, updated mirrors, and updated fixtures.
Kensington South is a small and well kept community. It's not the kind of place where you circle the parking lot looking for your building. You will love the mature crape myrtles, the community pool, and having an assigned parking space with ample visitor parking.
This home is easy to show, and available for a quick close. It qualifies for Conventional financing and cash offers. Put this property at the top of your list and call your agent for a private showing today.
Description provided by KELLER WILLIAMS GAINESVILLE REALTY PARTNERS and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$164,000
Bed / bath2 / 2.5
Living area1,176 sq ft
Year built2001
Property typeCondominium
MLS #GC542954
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~66 ft
Windstorm exposureLow
CountyAlachua
Area listings1 active · 1 under contract
Estimated first-year tax~$1,722/yr
CDD assessmentNone on record
HOA (per listing)$212/mo
Calculated estimates
Price per sq ft$139
Estimated monthly payment$1,275
Insurance (illustrative)$500–$1k/yr
Comparable-sales median$168,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Listing agent: Donavaun Horne · 352-240-0600Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$148,176the mess$188,160
Actual list price: $164,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 2001 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $212/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 122-day community median
2 active listings competing
≈4.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $164,000 ($139/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,176 sq ft × $126–$160/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near KENSINGTON SOUTH
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $164,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$1,722/yr
A rough first-year estimate only, applying a typical Alachua rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$1k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$212/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~66 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 3901 SW 20TH AVENUE #509?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · MLS # GC542954
Request a showing
Market data · public records
Recent sales activity in KENSINGTON SOUTH
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the KENSINGTON SOUTH neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$168,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$143
Canonical 12-month median $/sq ft. Reference only.
Go deeper on KENSINGTON SOUTH
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Development
Gainesville board approves 248-unit apartment project in northwest Gainesville
The Gainesville Development Review Board approved a 248-unit multifamily project in northwest Gainesville, planned as four four-story buildings with a clubhouse and amenities, with construction expected to run about 22 months.
Why it matters: A new apartment community of this size adds rental housing to northwest Gainesville, a factor that can influence demand and pricing for nearby communities. The site is about 4 miles north of Kensington South.
Newberry Ridge development of up to 1,250 homes advances east of Champions Park
Newberry Ridge, a roughly 225 acre project planned for up to 1,250 homes east of Champions Park in Newberry, cleared a land use amendment step and moved toward further Planning and Zoning, City Commission, and state review.
Why it matters: A large planned community of this scale adds significant future housing on the west side of Alachua County, a factor that can influence demand and pricing for nearby communities. The project is about 11 miles west of Kensington South, elsewhere in Alachua County.
Sandia West development of about 500 homes advances near Champions Park in Newberry
Sandia West, a roughly 160 acre residential development planned for about 500 homes near Champions Park on the northeast side of Newberry, won Planning and Zoning Board approval and moved toward City Commission and state review.
Why it matters: A large new residential development in Newberry adds future housing supply on the west side of Alachua County, the kind of growth that can shape demand for nearby communities. The project is about 12 miles west of Kensington South, elsewhere in Alachua County.
Amrit Palace Indian restaurant to open on Southwest 34th Street in Gainesville
Amrit Palace, an Indian restaurant expanding from Ocala, is planned to open at 3105 Southwest 34th Street in Gainesville, adding a dining option along the 34th Street corridor near Archer Road.
Why it matters: A new restaurant on the 34th Street corridor adds to the dining and retail mix that shapes daily convenience for nearby Gainesville communities. The site is less than a mile east of Kensington South.
Schools currently assigned to this address in Alachua County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Alachua County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Aug 2026
$166,000
3901 SW 20TH AVENUE #609, GAINESVILLE
2 / 2.5 bd/ba · 1,176 sq ft · $141/sq ft
Courtesy of BHGRE THOMAS GROUP · View details →
Sold Jun 2026
$160,000
3901 SW 20TH AVENUE #306, GAINESVILLE
2 / 2.5 bd/ba · 1,176 sq ft · $136/sq ft
Courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · View details →
Sold May 2026
$173,000
3901 SW 20TH AVENUE #401, GAINESVILLE
2 / 2.5 bd/ba · 1,176 sq ft · $147/sq ft
Courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · View details →
Sold Mar 2026
$168,000
3901 SW 20TH AVENUE #107, GAINESVILLE
2 / 2.5 bd/ba · 1,176 sq ft · $143/sq ft
Courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · View details →
Community 12-month median: $143/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$752 – $1,093/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate2.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$545 – −$238At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3901 Sw 20Th Avenue #509, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Alachua County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,176 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,722/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: September 6, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3901 Sw 20Th Avenue #509 and when was it built?
Per the listing record, 3901 Sw 20Th Avenue #509 was built in 2001 and has 1,176 sq ft of living area, 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3901 Sw 20Th Avenue #509 in?
3901 Sw 20Th Avenue #509 is in Kensington South in Gainesville, Alachua County. The community section on this page shows recent closed sales, days on market, and active inventory for Kensington South from the same MLS data.
Does 3901 Sw 20Th Avenue #509 have an HOA, and how much are the dues?
The listing reports HOA dues of $212 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3901 Sw 20Th Avenue #509 differ from the current owner's?
The estimate on this page (about $1,722 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3901 Sw 20Th Avenue #509 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3901 SW 20TH AVENUE #509 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
