10040 95th Dr, Live Oak, FL 32060 Property Records

Suwannee County property record for 10040 95th Dr, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,122 sqft · built 1968
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$144,200 (Sep 2021)
Tax Bill	$1,585 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`32-02S-14E-02471-000000`

Property Details

APN / Parcel Number

Primary APN	`32-02S-14E-02471-000000`
Alternative APN	`02471000000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Patio Area	582 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic

Location & Zoning

Account Number	02471000000
Street Address	10040 95TH DR
City	LIVE OAK
State	FL
Zip	32060-7010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 2.00 ACRES FOR PT OF REF COM AT THE SE COR OF SAID NW1/4 OF SW1/4 RUN THENCE N 89 DEG 06'00 E 231.00 FT THENCE RUN N 00
Legal Range	14E
Legal Township	02S
Legal Section	32
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	5
Census Block	5014
Census Tract	970100

Owner

Source: Suwannee County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10040 95TH DR, LIVE OAK, FL 32060-7010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN LIBERTY MORTGAGE INC
Apr 22, 2019	Warranty Deed, Transfer SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	2021242753
Deed Book / Page	2295 / 193
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	10040 95TH DR, LIVE OAK, FL 32060-7010
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004095 TH DR, LIVE OAK, FL 32060

Mortgage

Document Number	0061299223
Date	Oct 30, 2025
Book Page	2646/256
Instrument	202561299223

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Sep 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Sep 1, 2021
Property Address	10040 95TH DR, LIVE OAK, FL 32060-7010
Document Number	0000242753
Book / Page	2295 / 193
Instrument Date	Aug 31, 2021
Instrument	2021242753
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	ABSTRACT AND TITLE SERVICES INC, ABSTRACT & TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,009.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10040 95TH DR, LIVE OAK, FL 32060-7010

Mortgage

Document Number	0000000195
Date	Sep 1, 2021
Instrument	2295/195

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Apr 22, 2019
Property Address	10040 95TH DR, LIVE OAK, FL 32060-7010
Document Number	0000214089
Book / Page	002112 / 000452
Instrument Date	Apr 19, 2019
Instrument	214089
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Transaction

Amount	Amount Recorded
Tax	$790.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10040 95TH DR LIVE OAK FL 320607010, LIVE OAK, FL 32060-7010

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$128,162 (+8.21%)	$158,154 (+5.87%) Land $20,000 Building $138,154
2024	$1,585.00 (+5.39%)
2023	$1,504.00 (-16.4%) Homeowner's exemption	$118,437 (+2.98%)	$149,387 (+29.89%) Land $20,000 Building $129,387
2022	$1,799.00 Homeowner's exemption	$115,013	$115,013 Land $20,000 Building $95,013

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1991–2024)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 claims Tropical Storm Debby, Jun 2012 · 4 claims

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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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