Alachua County property record for 1040 NE 5th St, Gainesville, FL 32601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,998 sqft · built 1951 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $12,031 (2024) |
| Deeds & Mortgages | Dec 2020 Reverse Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10323-000-000 |
| Primary APN | 10323-000-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,998 sqft Heated Area |
| 1st Floor Area | 1,542 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Driveway | Driveway |
| Driveway Area | 300 sqft |
| Porch | Enclosed Porch |
| Porch Area | 646 sqft |
| Storage Building | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 00939170000 |
|---|---|
| Street Address | 1040 NE 5TH ST |
| City | GAINESVILLE |
| State | FL |
| Zip | 32601-4341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3 |
| Legal Description | HIGHLAND HEIGHTS PB B-9 LOTS 17 18 BK H OR 860/288 |
| Legal Range | 20E |
| Legal Township | 09S |
| Legal Section | 33 |
| Legal Subdivision | HIGHLAND HEIGHTS |
| Legal Block | 9 |
| Legal Lot Number | 17-18 18 |
| Jurisdiction | ALACHUA FL |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 500 |
1040 NE 5th St is owned and occupied by two individuals.
Source: Alachua County records, as of January 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 18, 2020 | Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC |
| Dec 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Sep 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Sep 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Document Number | 0048412339 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 4841/2339 |
| Instrument | 3304543 |
| Name | THE MONEY HOUSE INC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32819 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 812 Months |
| Due | Aug 4, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.73% |
| Type Change Date | Feb 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Document Number | 0048412352 |
| Instrument Date | Dec 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1040 NE 5TH ST GAINESVILLE FL 326014341, GAINESVILLE, FL 32601-4341 |
| Document Number | 0048412352 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 004841/002352 |
| Instrument | 3304544 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 816 Months |
| Due | Dec 17, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.73% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Document Number | 0047201782 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1040 NE 5TH ST GAINESVILLE FL 326014341, GAINESVILLE, FL 32601-4341 |
| Document Number | 0047201782 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 004720/001782 |
| Instrument | 3217785 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 828 Months |
| Due | Sep 26, 2088 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.69% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 1040 NE 5TH ST, GAINESVILLE, FL 32601-4341 |
| Document Number | 0047201765 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1040 NE 5TH ST GAINESVILLE FL 326014341, GAINESVILLE, FL 32601-4341 |
| Document Number | 0047201765 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 004720/001765 |
| Instrument | 3217784 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74133 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.69% |
Source: Alachua County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Alachua County |
| Municipality | Gainesville City |
| Unified School District | Alachua County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $144,776 | $356,948 Land $160,000 Building $196,948 | |
| 2024 | $12,031.00 | ||
| 2023 | $136,598 | $297,737 Land $140,000 Building $157,737 | |
| 2022 | $14,826.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1040 NE 5th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1040 NE 5th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GRU - MURPHREE WTP public/private · serves 195,768 people · EPA ID FL2010946 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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