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11865 145th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 11865 145th Rd, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details2,620 sqft · built 2023
Lot Size5.03 acres (219,106 sqft)
Owner2 Individual Names on File
Last Sale$389,000 (Jan 2025)
Tax Bill$401 (2025)
Deeds & MortgagesMay 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN07-03S-13E-08536-000020

Property Details

APN / Parcel Number

Primary APN07-03S-13E-08536-000020
Alternative APN
  • 08536000020

Interior

Building Area2,620 sqft Living Area

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Lot Area219,106 sqft (5.03 acres)

Location & Zoning

Street Address11865 145TH RD
CityLIVE OAK
StateFL
Zip32060-6639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 5.03 ACRES FOR PT OF REF COM AT THE SE COR OF SAID SECTION RUN N 00 DEG 35'32 W ALONG THE E LINE OF SAID SECTION A DISTANCE OF 334.97 FT TO POB RUN N 89 DEG 17'34 W A DISTANCE OF 663.57 FT TO THE W LINE OF SAID E1/2 OF SE1/4 OF SE1/4 RUN N 00 DEG
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group2
Census Block2050
Census Tract970402

Owner

11865 145th Rd is owned and occupied by two individuals who acquired it in February 2025.

Source: Suwannee County records, as of May 27, 2026

Owner of Record2 Individual Names on File
Mailing Address11865 145TH RD, LIVE OAK, FL 32060-6639
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

Deed Names2 Names on Deed
Last SaleJan 9, 2025 · Amount on File
Deed SaleJan 9, 2025 · Amount on File
Deed Document Number2025287991
Deed Book / Page2571 / 195
Last Transfer DateFeb 18, 2025
Transfer Doc0000289527
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Recording DateMay 7, 2026
Property Address11865 145TH RD, LIVE OAK, FL 32060-6639
Document Number0000004879
Book / Page2697 / 84
Instrument DateMay 1, 2026
Instrument20264879
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address11865 145TH RD, LIVE OAK, FL 32060-6639

Mortgage

Document Number0000004879,
DateMay 7, 2026
Book Page2697/84
Instrument20264879
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate6.46%
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 11865 145th Rd was $401, down 89% from the year before.

Source: Suwannee County assessment roll, as of December 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySuwannee County
Unified School DistrictSuwannee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$401.00 (-89.02%)$311,901 Land $52,689 Building $259,212$311,901 Land $52,689 Building $259,212
2024$3,652.00 (+511.73%)
2023$597.00 (+10.35%)$39,988 (+15.22%) Land $39,988$39,988 (+15.22%) Land $39,988
2022$541.00$34,707$34,707 Land $34,707

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 11865 145th Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 27 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies27 in force
Nearby Flood Claims7 (2012–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Debby, Aug 2024 · 5 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 11865 145th Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 63% of the US · lower than 61% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 10 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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