12878 Co Rd 137, Wellborn, FL 32094 Property Records

Suwannee County property record for 12878 Co Rd 137, Wellborn, FL 32094

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,690 sqft · built 2018
Lot Size	2.58 acres (112,820 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (May 2021)
Tax Bill	$355 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2024 Reverse Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`21-03S-15E-00574-006001`

Property Details

APN / Parcel Number

Primary APN	`21-03S-15E-00574-006001`
Alternative APN	`00574006001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,690 sqft Living Area
1st Floor Area	320 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2022
Exterior Material	Metal
Roof Material	Metal
Lot Area	112,820 sqft (2.58 acres)

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Account Number	00574006001
Street Address	12878 COUNTY ROAD 137
City	WELLBORN
State	FL
Zip	32094-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 2.59 ACRES COMM AT THE SW COR OF THE NW1/4 OF NW1/4 & RUN N 88 DEG 26'47 E ALONG THE S LINE OF SAID NW1/4 OF NW1/4 (BEING
Legal Range	15E
Legal Township	03S
Legal Section	21
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	2
Census Block	2016
Census Tract	970502

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Apr 19, 2024	Deed of Trust, Mortgage · Reverse Mortgage MIDFLORIDA CU
May 27, 2021	Warranty Deed, Transfer · VA Mortgage ADVISORS MORTGAGE GROUP LLC
Mar 30, 2020	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Mar 26, 2018	Loan Modification, Mortgage FIRST FSB/FL
Aug 29, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FSB/FL
Aug 29, 2017	Grant Deed SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC
Jun 26, 2017	Warranty Deed, Transfer INTEGRITY TITLE SERVICES INC, INTEGRITY TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	0002270463
Deed Book / Page	2270 / 463
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	SOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121

Mortgage

Document Number	0061000320
Date	Jan 12, 2026
Book Page	2664/390
Instrument	202661000320

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000278361
Date	Apr 19, 2024
Book Page	2512/245
Instrument	2024278361

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	PO BOX 8008, LAKELAND, FL 33802

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2044

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 27, 2021
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Document Number	0000238795
Book / Page	2270 / 463
Instrument Date	May 27, 2021
Instrument	2021238795
Transaction Type	Transfer
Record Updated	Feb 16, 2023
Title Company	SUWANNEE VALLEY TTL SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 SW BENJAMIN PL, FORT WHITE, FL 32038-3002

Mortgage

Document Number	0000238798
Date	May 27, 2021
Book Page	2270/469
Instrument	2021238798

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Document Number	0000225254
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12878 COUNTY ROAD 137 WELLBORN FL 320942121, WELLBORN, FL 32094-2121

Mortgage

Document Number	0000225254
Date	Apr 13, 2020
Book Page	002180/000467
Instrument	225254

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2030

Interest

Rate Type	Adjustable Rate

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUWANNEE FL
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Document Number	0000202070
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12878 COUNTY ROAD 137 WELLBORN FL 32094, WELLBORN, FL 32094

Mortgage

Document Number	0000202070
Date	Apr 4, 2018
Book Page	002041/000273
Instrument	202070

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 3, 2038

Interest

Rate Type	Fixed Rate
Rate	4%

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SUWANNEE FL
Recording Date	Aug 29, 2017
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Book / Page	002004 / 000242
Instrument Date	Aug 29, 2017
Instrument	195825
Transaction Type	Construction Loan
Record Updated	Nov 20, 2018
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 PARSHLEY ST SW LIVE OAK FL 320642332, LIVE OAK, FL 32064-2332

Mortgage

Document Number	0000195825
Date	Aug 29, 2017
Book Page	002004/000242
Instrument	195825

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 28, 2037

August 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	SUWANNEE FL
Recording Date	Aug 29, 2017
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Document Number	0000195824
Book / Page	002004 / 000240
Instrument Date	Aug 2, 2017
Instrument	195824
Record Updated	Nov 20, 2018
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 PARSHLEY ST SW LIVE OAK FL 320642332, LIVE OAK, FL 32064-2332

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 26, 2017
Property Address	12878 COUNTY ROAD 137, WELLBORN, FL 32094-2121
Document Number	0000193871
Book / Page	001993 / 000059
Instrument Date	Jun 23, 2017
Instrument	193871
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	INTEGRITY TITLE SERVICES INC, INTEGRITY TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	307 PARSHLEY ST SW LIVE OAK FL 320642332, LIVE OAK, FL 32064-2332

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		$267,663 (+5.99%)	$282,816 (+11.99%) Land $25,900 Building $256,916
2024	$355.00 (-89.82%)
2023	$3,487.00 (+8.9%) Homeowner's exemption	$252,544 (+31.91%) Land $25,900 Building $226,644	$252,544 (+31.91%) Land $25,900 Building $226,644
2022	$3,202.00	$191,455	$191,455 Land $25,900 Building $165,555

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 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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 22 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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