2220 SE 46TH TERRACE, GAINESVILLE, FL, 32641
Active4 days on marketListed Aug 10, 2026MLS #GC542571
About this home
2220 SE 46TH TERRACE
Location, quality, and everyday comfort come together in this thoughtfully maintained Gainesville home, ideally positioned near the University of Florida, UF Health Shands Hospital, the Malcolm Randall VA Medical Center, the UF College of Veterinary Medicine, and the recreational opportunities of Newnans Lake. Whether you're commuting to work, attending classes, or simply enjoying everything Gainesville has to offer, this central location keeps you connected.This inviting 2-bedroom, 1-bath single-family residence offers 742 square feet of efficiently designed living space with an abundance of natural light. Luxury vinyl plank flooring extends throughout the home, complementing a functional layout that includes a welcoming living area, a well-appointed kitchen with generous cabinet storage, and a dedicated laundry room complete with a washer and dryer. Constructed with durable concrete block on a slab foundation, the home offers lasting value and low-maintenance ownership. Step outside to a spacious fenced backyard with plenty of room for pets, gardening, entertaining, or simply unwinding in your own private outdoor space. Combining an exceptional location with practical features and everyday convenience, this property presents an outstanding opportunity for homeowners and investors alike. Schedule your private tour and discover why this Gainesville home deserves a place at the top of your list.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
742
Sqft
0.15 ac
Lot size
1963
Year built
One
Levels
$218
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.
$1,366 /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
$1,366/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
+87%
$/sqft vs Gainesville actives
$218 vs $200
Days on market
4 vs 44 typical
Where $218/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 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)
186 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 9% below the GAINESVILLE 32641 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 2220 SE 46TH TERRACE
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$63,062
2105 SE 45TH TERRACE · same community
2 bd · 1 ba · 672 sqft · $94/sqft · 2 DOM
Sold · Feb ’26$63,063
2109 SE 45TH TERRACE · same community
2 bd · 1 ba · 670 sqft · $94/sqft · 2 DOM
Sold · Apr ’26$181,000
2309 SE 45TH TERRACE · same community
3 bd · 1 ba · 936 sqft · $193/sqft · 26 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2220 SE 46TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2220 SE 46TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2220 SE 46TH TERRACE FAQs
What would the monthly payment be for 2220 SE 46TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,366/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 2220 SE 46TH TERRACE?+
The most recent tax bill on record (2025) was $2,172. 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 2220 SE 46TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK, 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 $162,000, this home is listed about 46% below the Gainesville median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2220 SE 46TH TERRACE?+
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 FIRST CHOICE REALTY OF NORTH FLORIDA LLC · Dawn Johnson. MLS #GC542571.
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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