12904 86th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 12904 86th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,299 sqft · built 1993
Lot Size	0.507 acres (22,077 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Mar 2018)
Tax Bill	$2,540 (2025)
Deeds & Mortgages	May 2023 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-02S-13E-05303-010050`

Property Details

APN / Parcel Number

Primary APN	`22-02S-13E-05303-010050`
Alternative APN	`05303010050`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,299 sqft Living Area
1st Floor Area	2,299 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,077 sqft (0.507 acres)
Garage Area	600 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12904 86TH TER
City	LIVE OAK
State	FL
Zip	32060-8896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 5 PINE HOLLOW ORB 2035 P 115-16 WD YR 2018
Legal Range	13E
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE HOLLOW
Legal Lot Number	5
Legal Unit	5
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	1
Census Block	1016
Census Tract	970401

Owner

Source: Suwannee County records, as of April 28, 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
Mailing Address	12904 86TH TER, LIVE OAK, FL 32060-8896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 15, 2018	Deed of Trust, Mortgage QUICKEN LNS
Mar 2, 2018	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2018 · Amount on Record
Deed Sale	Mar 2, 2018 · Amount on Record
Prior Sale	Jan 25, 2011 · Amount on Record
Deed Document Number	2018200957
Deed Book / Page	2035 / 115
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12904 86TH TER, LIVE OAK, FL 32060-8896
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12904 86TH TER, LIVE OAK, FL 32060-8896

Mortgage

Document Number	0000265916
Date	May 8, 2023
Book Page	2438/150
Instrument	2023265916

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12904 86TH TER, LIVE OAK, FL 32060-8896
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000247896
Date	Jan 18, 2022
Book Page	2328/40
Instrument	2022247896

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12904 86TH TER, LIVE OAK, FL 32060-8896
Document Number	0000208520
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12904 86TH TER LIVE OAK FL 320608896, LIVE OAK, FL 32060-8896

Mortgage

Document Number	0000208520
Date	Oct 23, 2018
Book Page	002081/000044
Instrument	208520

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 22, 2038

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Mar 2, 2018
Property Address	12904 86TH TER, LIVE OAK, FL 32060-8896
Document Number	0000200957
Book / Page	2035 / 0115
Map Reference	MB1 PG347
Instrument Date	Feb 28, 2018
Instrument	2018200957
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4807, LIVE OAK, FL 32064-1514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12904 86TH TERRACE, GAINESVILLE, FL 32606

Mortgage

Document Number	0000200958
Date	Mar 2, 2018
Instrument	2018200958

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

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	$2,540.00 (+3.76%) Homeowner's exemption	$250,982 (+40.96%) Land $6,700 Building $244,282	$250,982 (+6.47%) Land $6,700 Building $244,282
2024	$2,448.00 (+2.6%)
2023	$2,386.00 (+2.93%) Homeowner's exemption	$178,049 (+3%)	$235,732 (+36.37%) Land $6,700 Building $229,032
2022	$2,318.00 Homeowner's exemption	$172,863	$172,863 Land $6,700 Building $166,163

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force

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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 17 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

May also be available: Xfinity.

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