Suwannee County property record for 10786 96th Trl, Live Oak, FL 32060
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,308 sqft · built 1982 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,000 (Oct 2005) |
| Tax Bill | $1,155 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage Oct 2019 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-02S-13E-08386-001000 |
| Primary APN | 36-02S-13E-08386-001000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,308 sqft Living Area |
| 1st Floor Area | 1,308 sqft |
| 2nd Floor Area | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Metal |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 384 sqft |
| Porch | Finished/Screened Porch |
| Patio Area | 128 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 08386001000 |
|---|---|
| Street Address | 10786 96TH TRL |
| City | LIVE OAK |
| State | FL |
| Zip | 32060-6901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEG 1.01 ACRES FOR PT OF REF COM AT THE SE COR OF W1/2 OF NE1/4 RUN N 00 DEG 47'00 E 1072.50 FT (65 RODS) RUN S 89 DEG 16'10 |
| Legal Range | 13E |
| Legal Township | 02S |
| Legal Section | 36 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | LIVE OAK |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 970100 |
10786 96th Trl is owned and occupied by two individuals who acquired it in October 2019.
Source: Suwannee County records, as of February 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 10786 96TH TRL, LIVE OAK, FL 32060-6901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI FIRST FED'L SVGS BK |
| Oct 4, 2019 | Intrafamily Transfer, Transfer · Construction Mortgage FIRST FEDERAL BANK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2005 · Amount on File |
| Deed Sale | Oct 4, 2005 · Amount on File |
| Prior Sale | Oct 4, 2005 · Amount on File |
| Deed Document Number | 0012370337 |
| Deed Book / Page | 00123 / 000337 |
| Last Transfer Date | Oct 4, 2019 |
| Transfer Doc | 0000219249 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 10786 96TH TRL, LIVE OAK, FL 32060-6901 |
| Document Number | 0000220912 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | ABSTRACT AND TITLE SERVICES INC, ABSTRACT & TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10788 96TH TRL LIVE OAK FL 320606901, LIVE OAK, FL 32060-6901 |
| Document Number | 0000220912 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 002154/000443 |
| Instrument | 220912 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Recording Date | Oct 4, 2019 |
| Property Address | 10786 96TH TRL, LIVE OAK, FL 32060-6901 |
| Document Number | 0000219249 |
| Book / Page | 2144 / 0146 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019219249 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ABSTRACT & TITLE SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10786 96TH TRL, LIVE OAK, FL 32060-6901 |
| Document Number | 0000000149 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 2144-0149 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Oct 1, 2050 |
Source: Suwannee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Suwannee County |
| Unified School District | Suwannee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $91,171 Land $10,100 Building $81,071 | $91,171 Land $10,100 Building $81,071 | |
| 2024 | $1,155.00 (+1.4%) | ||
| 2023 | $1,139.00 (-9.1%) | $85,733 (+30.6%) Land $10,100 Building $75,633 | $85,733 (+30.6%) Land $10,100 Building $75,633 |
| 2022 | $1,253.00 | $65,647 | $65,647 Land $10,100 Building $55,547 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10786 96th Trl in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1991.
Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 10786 96th Trl is moderate, ranking above 52% 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 Risk | Moderate above 52% of the US · lower than 76% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rapid Fiber Internet Fiber | 2,000 / 2,000 |
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