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12945 88th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 12945 88th Ter, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details2,250 sqft · built 2023
Lot Size0.909 acres (39,630 sqft)
OwnerIndividual Name on File
Last Sale$24,000 (Oct 2021)
Tax Bill$3,795 (2024)
Deeds & MortgagesMar 2022 Construction Loan
Oct 2021 Sale
Flood ZoneZone X (minimal risk)
APN28-02S-13E-08257-040450

Property Details

APN / Parcel Number

Primary APN28-02S-13E-08257-040450
Alternative APN
  • 08257040450

Interior

Building Area2,250 sqft Living Area

Exterior

Year BuiltBuilt 2023
Lot Area39,630 sqft (0.909 acres)

Location & Zoning

Account Number08257040450
Street Address12945 88TH TER
CityLIVE OAK
StateFL
Zip32060-4411
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG .91 ACRES LOT 45 SAVANNAH PLANTATION PHASE 4 ORB 2303 P 31-32 WD YR 2022
Legal Range13E
Legal Township02S
Legal Section28
Legal SubdivisionSAVANNAH PLANTATION PHASE 4
Legal Phase4
Legal Lot Number45
Legal Unit45
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group1
Census Block1004
Census Tract970402

Owner

12945 88th Ter is owned and occupied by an individual who bought it in October 2021.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address12945 88TH TER, LIVE OAK, FL 32060-4411
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2022Deed of Trust, Mortgage · Construction Mortgage
FIRST FEDERAL BANK
Oct 4, 2021Warranty Deed, Transfer
LAKE CITY TITLE INC, LAKE CITY TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 4, 2021 · Amount on File
Deed SaleOct 4, 2021 · Amount on File
Prior SaleApr 29, 2010 · Amount on File
Deed Document Number2021243932
Deed Book / Page2303 / 31
Record UpdatedJun 8, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property AddressLIVE OAK, FL 32060
Transaction TypeMortgage
Record UpdatedFeb 16, 2023
Title CompanyLAKE CITY TITLE INC, LAKE CITY TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address7270 COUNTY ROAD 249, LIVE OAK, FL 32060-8485

Mortgage

Document Number0000250554
DateMar 25, 2022
Book Page2345/162
Instrument2022250554
Lender
NameFIRST FEDERAL BANK
TypeBank
AddressLAKE CITY, FL 32055
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term373 Months
DueApr 1, 2053

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateOct 4, 2021
Property AddressLIVE OAK, FL 32060
Document Number0000243932
Book / Page2303 / 31
Map ReferenceMB 1 PG 512
Instrument DateSep 28, 2021
Instrument2021243932
Transaction TypeTransfer
Record UpdatedFeb 16, 2023
Title CompanyLAKE CITY TITLE INC, LAKE CITY TITLE

Transaction

AmountAmount on Record
Tax$168.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12172 CEDAR TRACE DR N, JACKSONVILLE, FL 32246-9346

Transferred To (Grantee/Buyer)

NameVerified Name
Address7270 COUNTY ROAD 249, LIVE OAK, FL 32060-8485

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$283,074$301,191 Land $17,200 Building $283,991
2024$3,795.00 (+1,270.04%)
2023$277.00 (-1.07%)$17,200 (-) Land $17,200$17,200 (-) Land $17,200
2022$280.00$17,200$17,200 Land $17,200

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

Flood

FEMA maps place 12945 88th Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 26 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies26 in force
Nearby Flood Claims8 (2012–2024)
Claims Outside the SFHA8 of 8
Most Recent ClaimAug 2024 · Hurricane Debby
Claims by Event
  • Hurricane Debby, Aug 2024 · 7 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

Wildfire risk around 12945 88th Ter is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% 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 42 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000

May also be available: Windstream, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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