Alachua County property record for 20 SE 48th St, Gainesville, FL 32641
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,545 sqft · built 1953 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,340 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10870-005-000 |
| Primary APN | 10870-005-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,545 sqft Living Area |
| 1st Floor Area | 1,545 sqft |
| Upper Floors Area | 544 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,553 sqft (0.38 acres) |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Deck Area | 128 sqft |
| Shed | 1 Shed |
| Shed Area | 247 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 20 SE 48TH ST |
|---|---|
| City | GAINESVILLE |
| State | FL |
| Zip | 32641-1926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | RUTHLAND PB D-94 LOT 5 OR 2330/0877 |
| Legal Range | 20E |
| Legal Township | 10S |
| Legal Section | 01 |
| Legal Subdivision | RUTHLAND REPLAT |
| Legal Lot Number | 5 |
| Jurisdiction | ALACHUA FL |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 1400 |
Source: Alachua County records, as of December 16, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 SE 48TH ST, GAINESVILLE, FL 32641-1926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Oct 8, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2000 |
| Deed Sale | Dec 29, 2000 |
| Prior Sale | Jul 22, 1998 · Amount on Record |
| Deed Book / Page | 2330 / 877 |
| Prior Transfer Date | Jul 16, 1998 |
| Prior Transfer Doc | 0021810928 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 20 SE 48TH ST, GAINESVILLE, FL 32641-1926 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 20 SE 48TH ST, GAINESVILLE, FL 32641-1926 |
| Document Number | 0052453380 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 5245/3380 |
| Instrument | 3661597 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 20 SE 48TH ST, GAINESVILLE, FL 32641-1926 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 20 SE 48TH ST, GAINESVILLE, FL 32641-1926 |
| Document Number | 0052372719 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 5237/2719 |
| Instrument | 3651514 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
Source: Alachua County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Alachua County |
| Unified School District | Alachua County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,340.00 (+2.6%) Homeowner's exemption | $76,459 (+5.99%) | $175,999 (+28.67%) Land $36,000 Building $211,999 |
| 2024 | $1,306.00 (+6.53%) | ||
| 2023 | $1,226.00 (+4.25%) Homeowner's exemption Senior Citizen's exemption | $72,140 (+3%) | $136,780 (+21.53%) Land $37,000 Building $99,780 |
| 2022 | $1,176.00 Homeowner's exemption | $70,039 | $112,552 Land $25,000 Building $87,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 5 (25% premium discount) |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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