Suwannee County property record for 10973 110th Ter, Live Oak, FL 32060
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,294 sqft · built 1988 |
| Lot Size | 0.88 acres (38,332 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $236,170 (Feb 2026) |
| Tax Bill | $945 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-03S-13E-08421-007001 |
| Primary APN | 01-03S-13E-08421-007001 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,294 sqft Living Area |
| 1st Floor Area | 1,294 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 38,332 sqft (0.88 acres) |
| Patio Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10973 110TH TER |
|---|---|
| City | LIVE OAK |
| State | FL |
| Zip | 32060-6932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEG .88 ACRES FOR PT OF REF COM AT THE NW COR OF SAID SE1/4 OF SW1/4 THENCE RUN N 89 DEG 1940 E ALONG THE N LINE OF SAID SE1/4 OF SW1/4 A DISTANCE OF 220.00 FT TO THE POB THENCE CON N 89 DEG 1940 E ALONG SAID N LINE A DISTANCE OF 191.00 FT THENCE RUN |
| 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 |
10973 110th Ter is owned by two individuals who bought it in February 2026.
Source: Suwannee County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1468 MYRTLE AVE SE, LIVE OAK, FL 32064-4215 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 19, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Feb 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 4, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Aug 3, 2018 | Deed of Trust, Mortgage · Line of Credit FLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2026 · Amount on File |
| Deed Sale | Feb 13, 2026 · Amount on File |
| Prior Sale | Jun 3, 2016 · Amount on File |
| Deed Document Number | 20261645 |
| Deed Book / Page | 2673 / 140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Document Number | 0000249338 |
|---|---|
| Date | Feb 24, 2022 |
| Book Page | 2337/146 |
| Instrument | 2022249338 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Document Number | 0000277205 |
|---|---|
| Date | Mar 19, 2024 |
| Book Page | 2504/437 |
| Instrument | 2024277205 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Recording Date | Feb 13, 2026 |
| Property Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Document Number | 0061001645 |
| Book / Page | 2673 / 140 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 202661001645 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Title Company | DREAMS ABSTRACT & TTL SVCS L |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,653.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Name | Verified Name |
|---|---|
| Address | 1468 MYRTLE AVE SE, LIVE OAK, FL 32064-4215 |
| Document Number | 0000000142 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 2673/142 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000218323 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 2138/0292 |
| Instrument | 2019218323 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 10973 110TH TER, LIVE OAK, FL 32060-6932 |
| Document Number | 0000206018 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10973 110TH TER LIVE OAK FL 320606932, LIVE OAK, FL 32060-6932 |
| Document Number | 0000206018 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 002066/000298 |
| Instrument | 206018 |
| Name | FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32627 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 7, 2028 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10973 110th Ter was $945, up 7.6% from the year before.
Source: Suwannee County assessment roll, as of December 26, 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 | $945.00 (+7.63%) | $122,554 Land $8,800 Building $113,754 | $122,554 Land $8,800 Building $113,754 |
| 2024 | $878.00 (+2.45%) | ||
| 2023 | $857.00 (+1.9%) Homeowner's exemption | $74,207 (+3%) | $115,631 (+33.81%) Land $8,800 Building $106,831 |
| 2022 | $841.00 Homeowner's exemption | $72,046 | $86,414 Land $8,800 Building $77,614 |
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 10973 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 |
|
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 10973 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.
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 |
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