Suwannee County property record for 12815 97th Rd, Live Oak, FL 32060
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,698 sqft · built 2001 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Nov 2016) |
| Tax Bill | $1,720 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-03S-14E-02781-004000 |
| Primary APN | 20-03S-14E-02781-004000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,698 sqft Living Area |
| 1st Floor Area | 1,698 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Lot Area | 47,916 sqft (1.1 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 140 sqft |
| Patio Area | 434 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 02781004000 |
|---|---|
| Street Address | 12815 97TH RD |
| City | LIVE OAK |
| State | FL |
| Zip | 32060-7082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEG 1.10 ACRES FOR PT OF REF COMM AT NE COR OF SAID NW1/4 OF NE1/4 THENCE RUN S 89 DEG 17'20 W ALONG THE N LINE OF SAID |
| Legal Range | 14E |
| Legal Township | 03S |
| Legal Section | 20 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | MCALPIN-WELLBORN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 970501 |
12815 97th Rd is owned and occupied by two individuals who bought it in November 2016.
Source: Suwannee County records, as of February 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12815 97TH RD, LIVE OAK, FL 32060-7082 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2016 · Amount on File |
| Deed Sale | Nov 16, 2016 · Amount on File |
| Prior Sale | Dec 28, 2007 |
| Deed Document Number | 2016187390 |
| Deed Book / Page | 01955 / 0112 |
| Record Updated | Jun 8, 2026 |
Source: Suwannee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Suwannee County |
| Unified School District | Suwannee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $137,656 | $223,742 Land $11,000 Building $212,742 | |
| 2024 | $1,720.00 (+2.81%) | ||
| 2023 | $1,673.00 (+3.27%) Homeowner's exemption | $129,880 (+3%) | $202,398 (+34.88%) Land $11,000 Building $191,398 |
| 2022 | $1,620.00 Homeowner's exemption | $126,097 | $150,058 Land $11,000 Building $139,058 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12815 97th Rd in Zone X, an area of minimal flood risk, though there have been 3 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 Zone | Zone X minimal risk |
|---|---|
| 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 |
|
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 risk around 12815 97th 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rapid Fiber Internet Fiber | 2,000 / 2,000 |
| Windstream Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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