10963 110th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 10963 110th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,617 sqft · built 1989
Lot Size	1.24 acres (54,014 sqft)
Owner	Owner Name on File
Last Sale	$155,000 (Jan 2006)
Tax Bill	$1,368 (2024)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-03S-13E-08421-007002`

Property Details

APN / Parcel Number

Primary APN	`01-03S-13E-08421-007002`
Alternative APN	`08421007002`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	1,617 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2014
Exterior Material	Brick
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Porch	Finished/Screened Porch
Patio Area	532 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	08421007002
Street Address	10963 110TH TER
City	LIVE OAK
State	FL
Zip	32060-6932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 1.24 ACRES BEG AT NW COR OF SE1/4 OF SW1/4 RUN E 386 FT FOR POB CON E 272 FT S 200 FT W 272 FT N 200 FT TO POB ORB 1262 P
Legal Range	13E
Legal Township	03S
Legal Section	01
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	5
Census Block	5020
Census Tract	970100

Owner

The current owner of 10963 110th Ter bought it in January 2006.

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

Owner of Record	Owner Name on File
Mailing Address	10963 110TH TER, LIVE OAK, FL 32060-6932
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Jan 5, 2006 · Amount on File
Deed Sale	Jan 5, 2006 · Amount on File
Prior Sale	Jul 6, 2005 · Amount on File
Deed Document Number	601161766
Deed Book / Page	01262 / 0107
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	10963 110TH TER, LIVE OAK, FL 32060-6932
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221734
Date	Dec 26, 2019
Book Page	2160/0112
Instrument	2019221734

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

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		$113,023	$180,257 Land $12,400 Building $167,857
2024	$1,368.00 (+2.93%)
2023	$1,329.00 (+3.59%) Homeowner's exemption	$106,639 (+3%)	$164,996 (+33.34%) Land $12,400 Building $152,596
2022	$1,283.00 Homeowner's exemption	$103,533	$123,737 Land $12,400 Building $111,337

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

Flood

FEMA maps place 10963 110th Ter 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	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

Wildfire risk around 10963 110th Ter is moderate, ranking above 57% 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 57% of the US · lower than 69% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20