Suwannee County property record for 109 Howard St, Live Oak, FL 32064
| Property Type | Office Building |
|---|---|
| Details | 870 sqft · built 1920 |
| Lot Size | 0.02 acres (900 sqft) |
| Owner | Owner Name on File |
| Last Sale | $80,000 (Dec 2003) |
| Tax Bill | $600 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-02S-13E-06719-530031 |
| Primary APN | 23-02S-13E-06719-530031 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 870 sqft Total Area |
| 1st Floor Area | 870 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Metal |
| Lot Area | 900 sqft (0.02 acres) |
| Patio Area | 45 sqft |
| Canopy | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Space Heater |
| Account Number | 06719530031 |
|---|---|
| Street Address | 109 HOWARD ST |
| City | LIVE OAK |
| State | FL |
| Zip | 32064 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | LEG THE E 15 FT OF S 60 FT OF LOT 3 BLK 53 LIVE OAK ORB 1065 P 145-46 WD YR 04 |
| Legal Range | 13E |
| Legal Township | 02S |
| Legal Section | 23 |
| Legal Subdivision | TOWN/LIVE OAK |
| Legal Block | 53 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | LIVE OAK |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 970100 |
The current owner of 109 Howard St bought it in December 2003.
Source: Suwannee County records, as of February 2, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 132 SW COLUMBIA AVE STE 101, 101, LAKE CITY, FL 32025-4304 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Last Sale | Dec 24, 2003 · Amount on File |
|---|---|
| Deed Sale | Dec 24, 2003 · Amount on File |
| Prior Sale | Dec 9, 2003 |
| Deed Document Number | 312125724 |
| Deed Book / Page | 01065 / 0145 |
| Record Updated | Jun 8, 2026 |
Source: Suwannee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Suwannee County |
| Municipality | Live Oak City |
| Unified School District | Suwannee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $24,813 Land $3,780 Building $21,033 | $24,813 Land $3,780 Building $21,033 | |
| 2024 | $600.00 (-1.48%) | ||
| 2023 | $609.00 (+3.4%) | $25,100 (+3.91%) Land $3,780 Building $21,320 | $25,100 (+3.91%) Land $3,780 Building $21,320 |
| 2022 | $589.00 | $24,155 | $24,155 Land $2,835 Building $21,320 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 109 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 6 (1998–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 109 Howard St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LIVE OAK WTP serves 6,850 people · EPA ID FL2610203 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | 5 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Rapid Fiber Internet Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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