12415 85th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 12415 85th Rd, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,535 sqft · built 2003
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$1,145,000 (Aug 2022)
Tax Bill	$5,899 (2024)
Deeds & Mortgages	Aug 2022 Sale Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-03S-14E-02734-003000`

Property Details

APN / Parcel Number

Primary APN	`16-03S-14E-02734-003000`
Alternative APN	`02734003000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,535 sqft Living Area
1st Floor Area	2,535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Carport	Carport
Carport Area	900 sqft
Porch	Finished/Screened Porch
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	02734003000
Street Address	12415 85TH RD
City	LIVE OAK
State	FL
Zip	32060-7125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 5.00 ACRES THE E 275.00 FT OF THE N 792.00 FT OF THE W3/4 OF THE W1/2 OF THE SW1/4 OF THE SE1/4 & TOGETHER WITH A 30.00
Legal Range	14E
Legal Township	03S
Legal Section	16
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	2
Census Block	2004
Census Tract	970502

Owner

Source: Suwannee County records, as of February 2, 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	Individual Name on Record
Mailing Address	12415 85TH RD, LIVE OAK, FL 32060-7125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer HILL LAW & TITLE PLLC
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Sep 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	0002384327
Deed Book / Page	2384 / 327
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Aug 31, 2022
Property Address	12415 85TH RD, LIVE OAK, FL 32060-7125
Document Number	0000257083
Book / Page	2384 / 327
Instrument Date	Aug 31, 2022
Instrument	2022257083
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	HILL LAW & TITLE PLLC

Transaction

Amount	Amount Recorded
Tax	$8,015.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12415 85TH RD, LIVE OAK, FL 32060-7125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5750 WESTPORT LN, NAPLES, FL 34116-5414

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12415 85TH RD, LIVE OAK, FL 32060-7125
Document Number	0000220093
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12415 85TH RD LIVE OAK FL 320607125, LIVE OAK, FL 32060-7125

Mortgage

Document Number	0000220093
Date	Oct 30, 2019
Book Page	002149/000421
Instrument	220093

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 29, 2029

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12415 85TH RD, LIVE OAK, FL 32060-7125
Document Number	0000196274
Book / Page	002006 / 000484
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12415 85TH RD LIVE OAK FL 320607125, LIVE OAK, FL 32060-7125

Mortgage

Document Number	0000196274
Date	Sep 21, 2017
Book Page	002006/000484
Instrument	196274

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2027

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		$412,743 (+12.67%) Land $52,375 Building $360,368	$412,743 (+12.67%) Land $52,375 Building $360,368
2024	$5,899.00 (+2.18%)
2023	$5,773.00 (+150.13%)	$366,345 (+112.75%) Land $39,750 Building $326,595	$366,345 (+46.47%) Land $39,750 Building $326,595
2022	$2,308.00 Homeowner's exemption	$172,194	$250,114

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

Flood

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 Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (2017–2024)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 6 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% 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 (outdoors only) and 4G LTE

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