12207 177th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 12207 177th Rd, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,112 sqft · built 1960
Lot Size	4.98 acres (217,364 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (May 2020)
Tax Bill	$2,164 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-03S-12E-10286-001010`

Property Details

APN / Parcel Number

Primary APN	`16-03S-12E-10286-001010`
Alternative APN	`10286001010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Lot Area	217,364 sqft (4.98 acres)
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Account Number	10286001010
Street Address	12207 177TH RD
City	LIVE OAK
State	FL
Zip	32060-5487
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 4.99 ACRES THE N 298.75 FT OF THE E1/2 OF SE1/4 OF NE1/4 & THE N 298.75 FT OF THE E 66.00 FT OF THE W1/2 OF SE1/4 OF
Legal Range	12E
Legal Township	03S
Legal Section	16
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	2
Census Block	2029
Census Tract	970304

Owner

12207 177th Rd is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12207 177TH RD, LIVE OAK, FL 32060-5487
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Prior Sale	Jun 24, 2016
Deed Document Number	2020225875
Deed Book / Page	2185 / 129
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 5, 2020
Property Address	12207 177TH RD, LIVE OAK, FL 32060-5487
Document Number	0000225875
Book / Page	2185 / 129
Instrument Date	May 4, 2020
Instrument	2020225875
Transaction Type	Transfer
Record Updated	Feb 1, 2022
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	$1,176.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12207 177TH RD, 12207, LIVE OAK, FL 32060-5487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17795 124TH ST, LIVE OAK, FL 32060-5531

Mortgage

Document Number	0000000131
Date	May 5, 2020
Instrument	2185/131

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 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		$168,781	$212,822 Land $15,968 Building $196,854
2024	$2,164.00 (+2.71%)
2023	$2,107.00 (+3.03%) Homeowner's exemption	$159,247 (+3%)	$226,953 (+34.45%) Land $15,968 Building $210,985
2022	$2,045.00 Homeowner's exemption	$154,609	$168,799 Land $15,968 Building $152,831

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

Flood

FEMA maps place 12207 177th Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

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 12207 177th Rd is moderate, ranking above 67% 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 Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% 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 4 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on 177th Rd

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