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406 NE 45th Ter, Gainesville, FL 32641 Property Records

Alachua County property record for 406 NE 45th Ter, Gainesville, FL 32641

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,471 sqft · built 2005
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Last Sale$238,000 (Aug 2026)
Tax Bill$2,109 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Jan 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN10882-010-014

Property Details

APN / Parcel Number

Primary APN10882-010-014
Alternative APNs
  • 00960830000
  • 1081299

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,471 sqft Living Area
Gross Area1,845 sqft
1st Floor Area1,471 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)
Garage TypeAttached
Garage Area260 sqft
DrivewayDriveway
Driveway Area534 sqft
Parking Spaces1 Parking Space
PorchFinished Screened Porch
Porch Area184 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address406 NE 45TH TER
CityGAINESVILLE
StateFL
Zip32641-1986
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1A
Legal DescriptionLAKE FOREST-GAINESVILLE-LAKE FARMS REPLAT PB 24 PG 28 LOT 14 OR 4208/1808 & OR 5067/0564
Legal Range20E
Legal Township10S
Legal Section01
Legal SubdivisionLAKE FOREST-GAINESVILLE-LAKE FARMS REPLA
Legal Lot Number14
JurisdictionALACHUA FL
Township / Civil DivisionGAINESVILLE
Census Block Group2
Census Block2012
Census Tract1400

Owner

406 NE 45th Ter is owned and occupied by an individual who bought it in August 2026.

Source: Alachua County records, as of August 25, 2026

Owner of RecordIndividual Name on File
Mailing Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

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

DateDocument
Aug 7, 2026Warranty Deed, Transfer · FHA Mortgage
MORTGAGE MORTGAGE
Jan 30, 2023Intrafamily Transfer, Transfer
ACCOMMODATION
Jun 14, 2022Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 7, 2026 · Amount on File
Deed SaleAug 7, 2026 · Amount on File
Prior SaleJul 1, 2013 · Amount on File
Deed Document Number20263706583
Deed Book / Page5286 / 392
Prior Transfer DateJan 23, 2023
Prior Transfer Doc0050670564
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALACHUA FL
Recording DateAug 7, 2026
Property Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986
Document Number0003706583
Book / Page5286 / 392
Instrument DateAug 7, 2026
Instrument20263706583
Transaction TypeTransfer
Record UpdatedAug 25, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$168,266.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0003706584,
DateAug 7, 2026
Instrument20263706584
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

Mortgage

Document Number0003706585,
DateAug 7, 2026
Book Page5286/410
Instrument20263706585
Lender
NameALACHUA COUNTY (FL)
Agreement
AmountAmount on Record
Interest
Max Rate-1%

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALACHUA FL
Recording DateJan 30, 2023
Property Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986
Document Number0050670564
Book / Page5067 / 564
Map ReferenceMB 24 PG 28
Instrument DateJan 23, 2023
Instrument3470033
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALACHUA FL
Property Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986
Transaction TypeMortgage
Record UpdatedJul 5, 2022
Title CompanyWATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 NE 45TH TER, GAINESVILLE, FL 32641-1986

Mortgage

Document Number0050132098
DateJun 14, 2022
Book Page5013/2098
Instrument3426255
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term255 Months
DueSep 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 406 NE 45th Ter was $2,109, up 2.7% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyAlachua County
Unified School DistrictAlachua County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,109.00 (+2.73%)$115,029$196,989 Land $36,000 Building $232,989
2024$2,053.00 (+2.24%)
2023$2,008.00 (+5.63%) Homeowner's exemption Senior Citizen's exemption$108,531 (+3%)$202,259 (+17.92%) Land $37,000 Building $165,259
2022$1,901.00 Homeowner's exemption$105,370$171,522 Land $25,000 Building $146,522

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 406 NE 45th Ter 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 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

Wildfire risk around 406 NE 45th Ter is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemGRU - MURPHREE WTP
public/private · serves 195,768 people · EPA ID FL2010946
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 300 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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