3207 SW 98th Dr, Gainesville, FL 32608 Property Records

Alachua County property record for 3207 SW 98th Dr, Gainesville, FL 32608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,273 sqft · built 2001
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Jul 2026)
Tax Bill	$5,162 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06860-353-054`

Property Details

APN / Parcel Number

Primary APN	`06860-353-054`
Alternative APNs	`00748580000` `1059810`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,273 sqft Living Area
Gross Area	2,801 sqft
1st Floor Area	1,995 sqft
Upper Floors Area	278 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	738 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	344 sqft
Porch	Finished/Open Porch
Porch Area	293 sqft
Patio Area	634 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	3207 SW 98TH DR
City	GAINESVILLE
State	FL
Zip	32608-8687
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	HAILE PLANTATION UNIT 35 PHASE 3 PB-22 PG-46 LOT 54 OR 4647/2048
Legal Range	19E
Legal Township	10S
Legal Section	18
Legal Subdivision	HAILE PLANTATION UNIT 35 PHASE III
Legal Lot Number	54
Jurisdiction	ALACHUA FL
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3001
Census Tract	2222

Owner

3207 SW 98th Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Alachua County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUST BANK
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 4, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Dec 4, 2018 · Amount on File
Deed Document Number	20263699601
Deed Book / Page	5279 / 2461
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALACHUA FL
Recording Date	Jul 2, 2026
Property Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687
Document Number	0003699601
Book / Page	5279 / 2461
Instrument Date	Jun 26, 2026
Instrument	20263699601
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$448,945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687

Mortgage

Document Number	0003699602,
Date	Jul 2, 2026
Instrument	20263699602

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALACHUA FL
Property Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687

Mortgage

Document Number	0048530245
Date	Jan 26, 2021
Book Page	4853/245
Instrument	3312530

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALACHUA FL
Recording Date	Dec 4, 2018
Property Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687
Document Number	0046472048
Book / Page	4647 / 2048
Map Reference	MB22 PG46-48
Instrument Date	Dec 3, 2018
Instrument	3161981
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	BOSSHARDT TITLE INS AGENCY L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2909 EAGLE RIDGE CT, 2909, SPRINGFIELD, IL 62711-7829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 SW 98TH DR, GAINESVILLE, FL 32608-8687

Mortgage

Document Number	3161982
Date	Dec 4, 2018
Instrument	3161982

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3207 SW 98th Dr was $5,162 with a homeowner's exemption, up 1.8% from the year before.

Source: Alachua County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Alachua County
Unified School District	Alachua County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,162.00 (+1.81%) Homeowner's exemption	$264,598	$394,311 Land $120,000 Building $514,311
2024	$5,070.00 (+2.36%)
2023	$4,953.00 (+3.3%) Homeowner's exemption Senior Citizen's exemption	$249,652 (+3%)	$351,495 (+11.23%) Land $82,000 Building $269,495
2022	$4,795.00 Homeowner's exemption	$242,380	$316,003 Land $75,000 Building $241,003

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3207 SW 98th Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	2 (2017–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2026 · other causes

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

Wildfire risk around 3207 SW 98th Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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