10995 218th Ter, O Brien, FL 32071 Property Records

Suwannee County property record for 10995 218th Ter, O Brien, FL 32071

Property Summary

Property Type	Mobile Home
Details	2 ba · 3,070 sqft · built 1999
Lot Size	8.02 acres (349,351 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Feb 2023)
Tax Bill	$2,297 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-05S-13E-09121-060380`

Property Details

APN / Parcel Number

Primary APN	`13-05S-13E-09121-060380`
Alternative APN	`09121060380`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,070 sqft Living Area
1st Floor Area	3,070 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2017
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	349,351 sqft (8.02 acres)
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10995 218TH TER
City	O BRIEN
State	FL
Zip	32071-2656
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEG LOTS 38 & 39 THE TIMBERS SUB UNIT 6 ORB 2417 P 71-72 WD YR 2023
Legal Range	13E
Legal Township	05S
Legal Section	13
Legal Subdivision	TIMBERS SUB
Legal Lot Number	38,39
Legal Unit	6
Jurisdiction	SUWANNEE FL
Township / Civil Division	BRANFORD
Census Block Group	3
Census Block	3012
Census Tract	970601

Owner

10995 218th Ter, a mobile home, is owned and occupied by two individuals who bought it in February 2023.

Source: Suwannee County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	10995 218TH TER, O BRIEN, FL 32071-2656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 2, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 29, 2022	Warranty Deed, Transfer HILLTOP LAND TITLE, HILL LAW & TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2023 · Amount on File
Deed Sale	Feb 2, 2023 · Amount on File
Prior Sale	Jun 29, 2022 · Amount on File
Deed Document Number	2023262372
Deed Book / Page	2417 / 71
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	10995 218TH TER, O BRIEN, FL 32071-2656
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10995 218TH TER, O BRIEN, FL 32071-2656

Mortgage

Document Number	0000276513
Date	Mar 4, 2024
Book Page	2500/292
Instrument	2024276513

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Feb 1, 2064

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Feb 2, 2023
Property Address	10995 218TH TER, O BRIEN, FL 32071-2656
Document Number	0000262372
Book / Page	2417 / 71
Map Reference	MB 1 PG 244
Instrument Date	Feb 1, 2023
Instrument	2023262372
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	HERITAGE TITLE COMPANY, HERITAGE TTL SVCS OF NORTH F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1553 LEISURE DR, BRADENTON, FL 34207-4664

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10995 218TH TER, O BRIEN, FL 32071-2656

Mortgage

Document Number	0000000073
Date	Feb 2, 2023
Instrument	2417/73

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 29, 2022
Property Address	10995 218TH TER, O BRIEN, FL 32071-2656
Document Number	0000254516
Book / Page	2369 / 436
Map Reference	MB 1 PG 244
Instrument Date	Jun 28, 2022
Instrument	2022254516
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	HILLTOP LAND TITLE, HILL LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10995 218TH TER, O BRIEN, FL 32071-2656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1553 LEISURE DR, BRADENTON, FL 34207-4664

Tax Assessment & Valuation

The 2025 property tax bill for 10995 218th Ter was $2,297 with a homeowner's exemption, up 27.7% from the year before.

Source: Suwannee County assessment roll, as of December 26, 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	$2,297.00 (+27.68%) Homeowner's exemption	$275,485 Land $53,734 Building $221,751	$275,485 Land $53,734 Building $221,751
2024	$1,799.00 (-29.59%)
2023	$2,555.00 (+103.26%)	$147,169 (+46.8%) Land $53,734 Building $93,435	$147,169 (+18.3%) Land $53,734 Building $93,435
2022	$1,257.00 Homeowner's exemption	$100,248	$124,402 Land $40,100 Building $84,302

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10995 218th Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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 24 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Aug 2024 · Hurricane Debby

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 10995 218th Ter is moderate, ranking above 52% of the US, with a 0.09% 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 77% of Florida
Wildfire Likelihood	0.09% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

May also be available: Verizon.

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