Suwannee County property record for 12824 97th Rd, Live Oak, FL 32060
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,897 sqft · built 1936 |
| Lot Size | 20 acres (873,378 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $476 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-03S-14E-02775-001000 |
| Primary APN | 20-03S-14E-02775-001000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,897 sqft Living Area |
| 1st Floor Area | 1,561 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Asbestos |
| Roof Material | Composition Shingle |
| Lot Area | 873,378 sqft (20 acres) |
| Patio Area | 620 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 02775001000 |
|---|---|
| Street Address | 12824 97TH RD |
| City | LIVE OAK |
| State | FL |
| Zip | 32060-7011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEG 20.05 ACRES FOR POINT OF REFERENCE COMM AT NE COR OF SW1/4 OF NE1/4 THENCE RUN W ALONG N LINE 1006.52 FT TO POB THENCE |
| Legal Range | 14E |
| Legal Township | 03S |
| Legal Section | 20 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | MCALPIN-WELLBORN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970501 |
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 12824 97TH RD, LIVE OAK, FL 32060-7011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Transfer Date | Dec 19, 2024 |
| Transfer Doc | 0000287272 |
| 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 | $80,252 (+5.69%) | $172,069 (+9.69%) | |
| 2024 | $476.00 (+11.74%) | ||
| 2023 | $426.00 (+79.75%) Homeowner's exemption | $75,929 (+2.85%) | $156,867 (+22.98%) |
| 2022 | $237.00 Homeowner's exemption | $73,826 | $127,553 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rapid Fiber Internet Fiber | 2,000 / 2,000 |
| Windstream DSL | 100 / 20 |
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