Alachua County property record for 2140 NW 78th Pl, Gainesville, FL 32609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,261 sqft · built 2015 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,000 (Mar 2015) |
| Tax Bill | $2,761 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07814-100-084 |
| Primary APN | 07814-100-084 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,261 sqft Living Area |
| Gross Area | 1,641 sqft |
| 1st Floor Area | 1,261 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Driveway | Driveway |
| Driveway Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 145 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2140 NW 78TH PL |
|---|---|
| City | GAINESVILLE |
| State | FL |
| Zip | 32609-5863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BUCK BAY REPLAT PB M-17 LOT 84 DEED APPEARS IN ERROR PER OR 4337/0654 |
| Legal Range | 20E |
| Legal Township | 09S |
| Legal Section | 07 |
| Legal Subdivision | BUCK BAY REPLAT |
| Legal Lot Number | 84 |
| Jurisdiction | ALACHUA FL |
| Township / Civil Division | WALDO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 1908 |
2140 NW 78th Pl is owned and occupied by two individuals who bought it in March 2015.
Source: Alachua County records, as of May 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| 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 |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · VA Mortgage SMI FINANCIAL SERVICES |
| Jul 17, 2023 | Deed of Trust, Mortgage · Line of Credit RADIANT CU |
| Apr 15, 2022 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Mar 27, 2017 | Deed of Trust, Mortgage · VA Mortgage CIS HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2015 · Amount on File |
| Deed Sale | Mar 24, 2015 · Amount on File |
| Prior Sale | Mar 18, 2015 · Amount on File |
| Deed Document Number | 20155944 |
| Deed Book / Page | 4338 / 1461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Recording Date | May 12, 2026 |
| Property Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Document Number | 0003690299 |
| Book / Page | 5270 / 2875 |
| Instrument Date | May 5, 2026 |
| Instrument | 20263690299 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Investor | Possibly a Property Investor |
| Document Number | 0003690299, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 5270/2875 |
| Instrument | 20263690299 |
| Name | SMI FINANCIAL SERVICES |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Document Number | 0051061263 |
|---|---|
| Date | Jul 17, 2023 |
| Book Page | 5106/1263 |
| Instrument | 3502521 |
| Name | RADIANT CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Title Company | AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Document Number | 0049961090 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 4996/1090 |
| Instrument | 3412853 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALACHUA FL |
| Property Address | 2140 NW 78TH PL, GAINESVILLE, FL 32609-5863 |
| Document Number | 0045041588 |
| Book / Page | 004504 / 001588 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2140 NW 78TH PL GAINESVILLE FL 326095863, GAINESVILLE, FL 32609-5863 |
| Document Number | 0045041588 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 004504/001588 |
| Instrument | 3050555 |
| Name | CIS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | HAMILTON, AL 35570 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2047 |
The 2025 property tax bill for 2140 NW 78th Pl was $2,761 with a homeowner's exemption, up 3.8% from the year before.
Source: Alachua County assessment roll, as of November 19, 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 | $2,761.00 (+3.84%) Homeowner's exemption | $159,741 | $218,800 Land $56,000 Building $274,800 |
| 2024 | $2,659.00 (+2.74%) | ||
| 2023 | $2,588.00 (+5.16%) Homeowner's exemption Senior Citizen's exemption | $151,255 (+3%) | $197,527 (+23.1%) Land $30,000 Building $167,527 |
| 2022 | $2,461.00 Homeowner's exemption | $146,850 | $160,467 Land $12,000 Building $148,467 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2140 NW 78th Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 25 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 2140 NW 78th Pl is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 223 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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