Single Family Residence in SHADY LAWN ESTATES, GAINESVILLE · No CDD on record
SHADY LAWN ESTATES · Gainesville, FL 32641 · Alachua County
Listing data updated October 1, 2026 · refreshed hourly
2Bedrooms
1Bathrooms
742Sq Ft
1963Year Built
$218Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
132% above
$/sq ft vs community
$218 here vs $94 median sold (12 mo)
Buyer leverage
Balanced market
32 days on market
2.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~110 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $162k is at or below all 12 recent closed sales
As of October 1, 2026, 2220 Se 46Th Terrace in Shady Lawn Estates, Gainesville is listed at $162,000 (742 sq ft, about $218 per sq ft). That is 157% above Shady Lawn Estates's median closed sale of $63,063 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $94/sq ft by about 132%. It has been 32 days on market, longer than the community's typical 2 days to contract. Listing facts: built in 1963, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1963 · 63 yrs
742 sq ft of living area
Listed at $162,000 — recent neighborhood median sale price ~$63,063 (nearby sales; deemed reliable, not an appraisal)
32 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Location, quality, and everyday comfort come together in this thoughtfully maintained Gainesville home, ideally positioned near the University of Florida, UF Health Shands Hospital, the Malcolm Randall VA Medical Center, the UF College of Veterinary Medicine, and the recreational opportunities of Newnans Lake. Whether you're commuting to work, attending classes, or simply enjoying everything Gainesville has to offer, this central location keeps you connected. This inviting 2-bedroom, 1-bath single-family residence offers 742 square feet of efficiently designed living space with an abundance of natural light.
Luxury vinyl plank flooring extends throughout the home, complementing a functional layout that includes a welcoming living area, a well-appointed kitchen with generous cabinet storage, and a dedicated laundry room complete with a washer and dryer. Constructed with durable concrete block on a slab foundation, the home offers lasting value and low-maintenance ownership. Step outside to a spacious fenced backyard with plenty of room for pets, gardening, entertaining, or simply unwinding in your own private outdoor space.
Combining an exceptional location with practical features and everyday convenience, this property presents an outstanding opportunity for homeowners and investors alike. Schedule your private tour and discover why this Gainesville home deserves a place at the top of your list.
All 6 photos
Description provided by FIRST CHOICE REALTY OF NORTH FLORIDA LLC and reproduced from the MLS; not independently verified.
Listing courtesy of FIRST CHOICE REALTY OF NORTH FLORIDA LLC · Listing agent: Dawn Johnson · 352-514-9508Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$162,000
Bed / bath2 / 1
Living area742 sq ft
Year built1963
Property typeSingle Family Residence
MLS #GC542571
Listing status32 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~110 ft
CountyAlachua
Area listings0 active · 1 under contract
Estimated first-year tax~$1,850/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$218
Estimated monthly payment$1,107
Insurance (illustrative)$500–$2k/yr
Messtimate range$69,748 – $143,206
Comparable-sales median$63,063
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,107/mo
Principal & interest $865/mo78%
Taxes $154/mo14%
Insurance $88/mo8%
$1,107/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Alachua County rate (16.56 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,475/yr ($123/mo) — taxable value $89,288 × 16.56 mills
$375 more each year
(+25%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$89,288
Market value
$89,288
Assessed
$89,288
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Alachua County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~110 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Alachua County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Shady Lawn Estates
Pricing & the Shady Lawn Estates market
How this home is priced against recent nearby sales, and where Shady Lawn Estates has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Shady Lawn Estates
Each dot is a closed sale since 1992 (43 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Property timeline
This home’s history
1963BuiltPer public record
Aug 11, 2026First seen on movewithmomentum.comObserved at $162,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $162,000Momentum Realty · on market 32 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in SHADY LAWN ESTATES in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $63,063 ($94/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$69,748the mess$143,206
Stronger local evidence — 6 comparable closed sales in SHADY LAWN ESTATES, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $162,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 105% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1963 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 32 days on market vs. a 2-day community median
1 active listing competing
6 closed here in the last 12 months
For reference, this home is listed at $162,000 ($218/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 742 sq ft × $94–$193/sq ft (interquartile band of 6 comparable closed sales in SHADY LAWN ESTATES, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Pricing power (100), Market liquidity (98)
0 limited50100 exceptional
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $218/sq ft vs the community 12-month median $94/sq ft.
Affordability0
List price $162,000 vs the community median $63,063. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~110 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1963 build. Obtain a property-specific quote.
Market liquidity98
Community median 2 days on market (12-month record).
Buyer competition33
67% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power100
Recent sales closed at about 63.4% of original asking (~36.6% below). More room below asking generally favors buyers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 2.0 months of supply in the surrounding market and 32 days on market for this home, against a 2-day area median.Days on market:this home 32Area median: 2 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 1992 through 2026. As of August 2, 2026.
🟡 Asking $218 per square foot, about 132% above the community’s $94 median. Shady Lawn Estates’s 12-month median sold price per square foot is $94. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
56% of homes in Shady Lawn Estates are owner-occupied. An estimated 44% are non-owner-occupied, including 9% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 515 homes matched. Community-level context.
Recent Shady Lawn Estates sales closed near 63.4% of original asking. Cash paid for about 67% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FIRST CHOICE REALTY OF NORTH FLORIDA LLC · MLS # GC542571
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Keep looking
Similar homes for sale near SHADY LAWN ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Development
Gainesville board approves 248-unit apartment project in northwest Gainesville
The Gainesville Development Review Board approved a 248-unit multifamily project in northwest Gainesville, planned as four four-story buildings with a clubhouse and amenities, with construction expected to run about 22 months.
Why it matters: A new apartment community of this size adds rental housing to northwest Gainesville, a factor that can influence demand and pricing for nearby communities. The site is less than a mile west of Shady Lawn Estates.
Newberry Ridge development of up to 1,250 homes advances east of Champions Park
Newberry Ridge, a roughly 225 acre project planned for up to 1,250 homes east of Champions Park in Newberry, cleared a land use amendment step and moved toward further Planning and Zoning, City Commission, and state review.
Why it matters: A large planned community of this scale adds significant future housing on the west side of Alachua County, a factor that can influence demand and pricing for nearby communities. The project is about 12 miles west of Shady Lawn Estates, elsewhere in Alachua County.
Sandia West development of about 500 homes advances near Champions Park in Newberry
Sandia West, a roughly 160 acre residential development planned for about 500 homes near Champions Park on the northeast side of Newberry, won Planning and Zoning Board approval and moved toward City Commission and state review.
Why it matters: A large new residential development in Newberry adds future housing supply on the west side of Alachua County, the kind of growth that can shape demand for nearby communities. The project is about 13 miles west of Shady Lawn Estates, elsewhere in Alachua County.
Amrit Palace Indian restaurant to open on Southwest 34th Street in Gainesville
Amrit Palace, an Indian restaurant expanding from Ocala, is planned to open at 3105 Southwest 34th Street in Gainesville, adding a dining option along the 34th Street corridor near Archer Road.
Why it matters: A new restaurant on the 34th Street corridor adds to the dining and retail mix that shapes daily convenience for nearby Gainesville communities. The site is about 4 miles south of Shady Lawn Estates.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Alachua County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADED
Lake Forest Elementary School-ALAssigned elementary school · Alachua County School District · Grade D (Florida DOE 2025-26)
GRADEA
Abraham Lincoln Middle School-ALAssigned middle school · Alachua County School District · Grade A (Florida DOE 2025-26)
GRADEC
Eastside High School-ALAssigned high school · Alachua County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2220 Se 46Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1963 (63 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Alachua County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 742 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 more per year than the current owner’s estimated bill (+25%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: October 1, 2026)
Comparable sales
Stellar MLS closed sales in SHADY LAWN ESTATES, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2220 Se 46Th Terrace and when was it built?
Per the listing record, 2220 Se 46Th Terrace was built in 1963 and has 742 sq ft of living area, 2 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2220 Se 46Th Terrace in?
2220 Se 46Th Terrace is in Shady Lawn Estates in Gainesville, Alachua County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2220 Se 46Th Terrace have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 2220 Se 46Th Terrace differ from the current owner's?
The estimate on this page (about $1,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $375 more per year than the current owner’s estimated bill (+25%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2220 Se 46Th Terrace in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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See 2220 SE 46TH TERRACE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
