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12838 97th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 12838 97th Rd, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,934 sqft · built 1992
Lot Size70.7 acres (3,081,434 sqft)
OwnerIndividual Name on Record
Tax Bill$1,719 (2024)
Deeds & MortgagesSep 2018 Sale
Flood ZoneZone X (minimal risk)
APN20-03S-14E-02775-000000

Property Details

APN / Parcel Number

Primary APN20-03S-14E-02775-000000
Alternative APN
  • 02775000000

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,934 sqft Living Area
1st Floor Area1,934 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2018
Exterior MaterialWood Siding
Roof MaterialComposition Shingle
Lot Area3,081,434 sqft (70.7 acres)
Garage TypeCarport
CarportCarport
Carport Area528 sqft
PorchFinished/Screened Porch
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number02775000000
Street Address12838 97TH RD
CityLIVE OAK
StateFL
Zip32060-7011
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 70.74 ACRES SE1/4 OF NW1/4 & W1/2 OF SW1/4 OF NE1/4 & W1/2 NW1/4 OF SE1/4 LESS THE N 546.95 FT OF THE W1/2 OF SW1/4 OF
Legal Range14E
Legal Township03S
Legal Section20
JurisdictionSUWANNEE FL
Township / Civil DivisionMCALPIN-WELLBORN
Census Block Group1
Census Block1002
Census Tract970501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address12838 97TH RD, LIVE OAK, FL 32060-7011
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2004
Deed SaleJun 3, 2004
Deed Document Number406132949
Record UpdatedJun 8, 2026

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateSep 26, 2018
Property Address12838 97TH RD, LIVE OAK, FL 32060-7011
Document Number0000207738
Book / Page002076 / 000343
Instrument DateSep 26, 2018
Instrument207738
Transaction TypeTransfer
Record UpdatedDec 7, 2018

Transaction

AmountAmount Recorded
Tax$0.70

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12824 97TH RD LIVE OAK FL 320607011, LIVE OAK, FL 32060-7011

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySuwannee County
Unified School DistrictSuwannee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$137,197 (+5.83%)$344,503 (-0.65%)
2024$1,719.00 (+3%)
2023$1,669.00 (+2.9%) Homeowner's exemption$129,633 (+2.68%)$346,761 (+18.99%)
2022$1,622.00 Homeowner's exemption$126,253$291,415

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims3 (2012–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimAug 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

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

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 5 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Windstream
DSL		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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