2019 SE 45 TERRACE, GAINESVILLE, FL, 32641
Active53 days on marketListed Jun 2, 2026MLS #GC540670
About this home
2019 SE 45 TERRACE
Escape the hustle and bustle in this beautifully completed, modern new-construction home. Uniquely situated in a quiet, tranquil area of Gainesville, this property feels like a hidden sanctuary away from the crowds, yet keeps city conveniences entirely within reach. It is a true haven for nature lovers and anglers alike, with Newnan’s Lake nearby and the abundance of Hawthorne's pristine lakes just a short drive away. The perfect blend of affordable modern living and outdoor lifestyle awaits you!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,368
Sqft
0.18 ac
Lot size
1
Garage
2026
Year built
One
Levels
$190
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,867 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,867/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+3%
$/sqft vs Gainesville actives
$190 vs $198
Days on market
53 vs 36 typical
Where $190/sqft sits among the 400 Gainesville actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gainesville
Get to know Gainesville. See the full Gainesville guide →
GAINESVILLE 32641 — neighborhood snapshot
Population
15,082
Median age
37
Median income
$36,814
Median home value
$123,600
Avg household
2.78
Households w/ children
1,736
For the school run
Alachua County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gainesville market
$320K → $312K
Gainesville median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
183 of 400
Gainesville actives have cut their price
Median sold price, Gainesville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the GAINESVILLE 32641 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 2019 SE 45 TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$259,000
2013 SE 45TH TERRACE · same community
3 bd · 2 ba · 1,508 sqft · $172/sqft · 7 DOM
Sold · Apr ’26$181,000
2309 SE 45TH TERRACE · same community
3 bd · 1 ba · 936 sqft · $193/sqft · 26 DOM
Sold · Feb ’26$63,062
2105 SE 45TH TERRACE · same community
2 bd · 1 ba · 672 sqft · $94/sqft · 2 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2019 SE 45 TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2019 SE 45 TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2019 SE 45 TERRACE FAQs
What would the monthly payment be for 2019 SE 45 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,867/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2019 SE 45 TERRACE?+
The most recent tax bill on record (2025) was $739. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2019 SE 45 TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Gainesville?+
At $260,000, this home is listed about 12% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2019 SE 45 TERRACE?+
Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SUSKIN REALTY INC · Samuel Suskin. MLS #GC540670.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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