3823 NW 45TH STREET, GAINESVILLE, FL, 32606
Active5 days on marketListed Oct 7, 2026MLS #GC543935
About this home
3823 NW 45TH STREET
OUTSTANDING DUPLEX INVESTMENT OPPORTUNITY! Tenants appreciate this highly desirable northwest Gainesville location where they can walk to Magnolia Park, Hunter’s Crossing, Timber Village and MetroCorp for shopping, dining, banking and medical offices. And, the bus stop is located right out front. This duplex has had the same owner and been professionally managed for the last 27 years! Currently Unit A is occupied by a long-time tenant paying a below-market rent of $800 per month with the lease running through June 30th, 2027. Unit B is paying $1,300 per month and leased through January 31st, 2027 and will likely renew. Market rent for this area is $1,300 - $1,400 per month so there’s plenty of upside potential in Unit A. This small neighborhood of duplexes has always had excellent tenant demand with no trouble maintaining 100 percent occupancy. Roof: 2024; Unit A HVAC interior unit replaced in 1999 and exterior unit replaced in 2009; Unit B HVAC: 2009; Water Heaters: Unit A: 2003; Unit B: 2007. Tenants pay electric, water and sewer. Owner is responsible for landscape maintenance. There is no HOA.
Facts & features
The home at a glance
4
Bedrooms
1,700
Sqft
0.24 ac
Lot size
1967
Year built
One
Levels
$196
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.
$2,745 /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
$2,745/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.
$/sqft vs Gainesville actives
$196 vs $198
Days on market
5 vs 75 typical
Where $196/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 32606 — neighborhood snapshot
Population
23,313
Median age
41
Median income
$79,888
Median home value
$319,300
Avg household
2.2
Households w/ children
2,630
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 → $309K
Gainesville median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
244 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% above the GAINESVILLE 32606 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 3823 NW 45TH 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$317,000
3815 NW 45TH STREET · same community
4 bd · 2 ba · 1,792 sqft · $177/sqft · 49 DOM
Sold · Sep ’26$274,000
2002 NW 36TH DRIVE
3 bd · 2 ba · 1,688 sqft · $162/sqft · 2 DOM
Sold · Mar ’26$350,000
3237 NW 30TH AVENUE
4 bd · 3 ba · 1,674 sqft · $209/sqft · 247 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3823 NW 45TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3823 NW 45TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3823 NW 45TH STREET FAQs
What would the monthly payment be for 3823 NW 45TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,745/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 3823 NW 45TH STREET?+
The most recent tax bill on record (2025) was $5,661. 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 3823 NW 45TH STREET?+
The listing reports pets: 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 $333,900, this home is listed about 17% above the Gainesville median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3823 NW 45TH STREET?+
Fort Clarke Middle School (middle), Meadowbrook Elementary School (elementary), F. W. Buchholz 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 BHHS FLORIDA REALTY · Jeff Tice. MLS #GC543935.
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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