12809 Co Rd 49, Live Oak, FL 32060 Property Records

Suwannee County property record for 12809 Co Rd 49, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,580 sqft · built 1968
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Nov 2022)
Tax Bill	$1,433 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-03S-14E-02781-000000`

Property Details

APN / Parcel Number

Primary APN	`20-03S-14E-02781-000000`
Alternative APN	`02781000000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,580 sqft Living Area
Flooring	Terrazzo
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12809 COUNTY ROAD 49
City	LIVE OAK
State	FL
Zip	32060-7064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 2.00 ACRES COM AT THE NW COR OF NE1/4 OF NW1/4 OF SAID SECTION THENCE ON THE NORTHERLY BOUNDARY OF SAID SECITON N 88 DEG 2049 E A DISTANCE OF 1485.72 FT TO POB THENCE CONT ON SAID NORTH BOUNDARY N 88 DEG 2049 E A DISTANCE OF 394.66 FT TO THE WEST
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	1
Census Block	1008
Census Tract	970501

Owner

12809 Co Rd 49 is owned and occupied by an individual who bought it in November 2022.

Source: Suwannee County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064
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

Date	Document
Nov 23, 2022	Warranty Deed, Transfer · Seller Carry-Back SANDRA PEPPER
Jul 19, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 20, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Feb 11, 2005 · Amount on File
Deed Document Number	2022259950
Deed Book / Page	2402 / 47
Prior Transfer Date	Feb 9, 2005
Prior Transfer Doc	0502144746
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Nov 23, 2022
Property Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064
Document Number	0000259950
Book / Page	2402 / 47
Instrument Date	Nov 22, 2022
Instrument	2022259950
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ABSTRACT AND TITLE SERVICES INC, ABSTRACT & TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064

Mortgage

Document Number	0000000049
Date	Nov 23, 2022
Instrument	2402/49

Lender

Name	SANDRA PEPPER
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	205 Months
Due	Dec 1, 2039

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Jul 19, 2022
Property Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064
Document Number	0000255344
Book / Page	2374 / 126
Instrument Date	Aug 30, 2018
Instrument	2022255344
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13037 97TH RD, LIVE OAK, FL 32060-7012

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Jul 20, 2022
Property Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064
Document Number	0000255398
Book / Page	2374 / 260
Instrument Date	Aug 30, 2018
Instrument	2022255398
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12809 COUNTY ROAD 49, LIVE OAK, FL 32060-7064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13037 97TH RD, LIVE OAK, FL 32060-7012

Tax Assessment & Valuation

The 2025 property tax bill for 12809 Co Rd 49 was $1,433 with a homeowner's exemption, up 5.5% 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	$1,433.00 (+5.52%) Homeowner's exemption	$114,879 Land $20,000 Building $94,879	$114,879 Land $20,000 Building $94,879
2024	$1,358.00 (-2.65%)
2023	$1,395.00 (+101.59%) Homeowner's exemption	$111,096 (+130.03%) Land $20,000 Building $91,096	$111,096 (+12.18%) Land $20,000 Building $91,096
2022	$692.00 Homeowner's exemption	$48,296	$99,030

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12809 Co Rd 49 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	3 (2012–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 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 12809 Co Rd 49 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 15 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

May also be available: Xfinity.

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