0 SE 45 street, Gainesville FL 32641, GAINESVILLE, FL, 32641
Active101 days on marketListed May 5, 2026MLS #A12013824
About this home
0 SE 45 street, Gainesville FL 32641
0.23 Acres Land–SE 45th St, Gainesville, FL. 125.47 ft of paved Road Frontage. Located in a growing part of Gainesville. The property was raised to 112 ft with permits from the City, significantly reducing site preparation costs& timelines. Zoned & pre-approved by County for a 4-bed/4-bath primary residence; includes approved plans for a 2-story accessory dwelling unit (ADU) with 1 additional bed & 1 bath; Septic system permit on record; Power available at the street; Flat cleared lot ready for construction. Quiet residential area, minutes from schools, shopping centers, public parks & downtown. With ADU approval, this lot is ideal for dual-occupancy or rental income strategies. Whether you are building for resale, long-term rental or personal use, this lot has both flexibility & value.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$426 /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
$426/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.
Where it sits
Inside Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32641 — neighborhood snapshot
Population
15,082
Median age
37
Median income
$36,814
Median home value
$123,600
Avg household
2.78
Households w/ children
1,736
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 → $305K
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 78% below the GAINESVILLE 32641 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 SE 45 street
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$63,063
2109 SE 45TH TERRACE
2 bd · 1 ba · 670 sqft · $94/sqft · 2 DOM
Sold · Feb ’26$63,062
2105 SE 45TH TERRACE
2 bd · 1 ba · 672 sqft · $94/sqft · 2 DOM
Sold · Sep ’25$35,000
1409 SE 28TH TERRACE
2 bd · 1 ba · 720 sqft · $49/sqft · 11 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 0 SE 45 street — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 SE 45 street — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
0 SE 45 street FAQs
What would the monthly payment be for 0 SE 45 street, Gainesville FL 32641?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $426/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 0 SE 45 street, Gainesville FL 32641?+
The most recent tax bill on record (2025) was $228. 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 $39,000, this home is listed about 87% below the Gainesville median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 0 SE 45 street, Gainesville FL 32641?+
Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Charles Rutenberg Realty FTL · Lizabeth Rafaeli. MLS #A12013824.
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 Miami Association of REALTORS®.
Never miss a listing
New Gainesville homes, in your inbox
Like 0 SE 45 street, Gainesville FL 32641 but not quite? A daily digest of every new listing in Gainesville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Darrick to ping you on any price or status change →