7020 SW 45TH AVENUE, GAINESVILLE, FL, 32608
Active54 days on marketListed Jun 8, 2026MLS #GC540901
About this home
7020 SW 45TH AVENUE
Beautiful re-constructed townhouse! Two Bedroom and Two Bathroom with private back and side yard that is newly fenced. Everything is new accept the concrete floor and foundation: New framing, new trusses, new sheetrock, new flooring, new kitchen cabinets, new appliances, new electrical, new AC unit, new plumbing, new hotwater heater. 75% of the unit has vaulted ceilings and there are new fans in the main area and each bedroom. Bathrooms are all new as well including tile flooring and part of the walls! There is a covered porch at the rear and a covered porch at the entrance in the front. Both porches are tiled. The effective age of this unit would be considered 1 year old from a technical point of view.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,003
Sqft
0.16 ac
Lot size
1983
Year built
One
Levels
$184
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 and the real association fee — not generic estimates.
$1,561 /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
$1,561/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
+9.4%
$/sqft vs Gainesville actives
$184 vs $197
Days on market
54 vs 36 typical
Where $184/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 32608 — neighborhood snapshot
Population
53,966
Median age
30.2
Median income
$60,182
Median home value
$340,200
Avg household
2.3
Households w/ children
4,332
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)
186 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 16% below the GAINESVILLE 32608 median. See the full Gainesville market guide →
Paper trail
This home's history
Reality check
What actually sold near 7020 SW 45TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$161,000
6925 SW 46TH AVENUE · same community
2 bd · 2 ba · 964 sqft · $167/sqft · 9 DOM
Sold · Mar ’26$114,000
7005 SW 46TH AVENUE · same community
2 bd · 2 ba · 1,091 sqft · $104/sqft · 17 DOM
Sold · Jun ’26$346,000
3851 NW 4th Place, Lauderhill FL 33311 · same community
3 bd · 2 ba · 1,267 sqft · $273/sqft · 9 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 7020 SW 45TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7020 SW 45TH AVENUE — 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
7020 SW 45TH AVENUE FAQs
What would the monthly payment be for 7020 SW 45TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,561/mo — principal and interest, the actual property-tax bill, the $8/mo association fee 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.
How much are the HOA fees at 7020 SW 45TH AVENUE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7020 SW 45TH AVENUE?+
The most recent tax bill on record (2025) was $2,661. 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 7020 SW 45TH AVENUE?+
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 $185,000, this home is listed about 37% below the Gainesville median of $295,500. The market section on this page shows how the area is trending.
Which schools are assigned to 7020 SW 45TH AVENUE?+
Idylwild Elementary School (elementary), Kanapaha Middle School (middle), Eastside High School (high) — Alachua County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Stephen Silberman. MLS #GC540901.
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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