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12968 Garrison Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 12968 Garrison Rd, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,259 sqft · built 1984
Lot Size4.65 acres (202,554 sqft)
OwnerIndividual Name on Record
Tax Bill$428 (2024)
Deeds & MortgagesSep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN09-02S-13E-04921-003002

Property Details

APN / Parcel Number

Primary APN09-02S-13E-04921-003002
Alternative APN
  • 04921003002

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,259 sqft Living Area
1st Floor Area1,259 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2009
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area202,554 sqft (4.65 acres)
Patio Area85 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number04921003002
Street Address12968 GARRISON RD
CityLIVE OAK
StateFL
Zip32060-4922
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 4.65 ACRES COMM AT NE COR OF SEC RUN W 449.57 FT TO POB S 379.62 FT W 543.84 FT N 381.03 FT E 543.85 FT TO POB ORB 270 P
Legal Range13E
Legal Township02S
Legal Section09
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group1
Census Block1024
Census Tract970200

Owner

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 RecordIndividual Name on Record
Mailing Address12968 GARRISON RD, LIVE OAK, FL 32060-4922
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 1, 2005
Deed SaleNov 1, 2005
Deed Document Number0001249162
Record UpdatedJun 8, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property Address12968 GARRISON RD, LIVE OAK, FL 32060-4922
Document Number0000207542
Instrument DateSep 17, 2018
Transaction TypeMortgage
Record UpdatedDec 7, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address12968 GARRISON RD LIVE OAK FL 320604922, LIVE OAK, FL 32060-4922

Mortgage

Document Number0000207542
DateSep 21, 2018
Book Page002075/000245
Instrument207542
Lender
NameSUWANNEE RIV FCU
TypeCredit Union
AddressLIVE OAK, FL 32064
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 20, 2033

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$71,762 (+5.99%)$139,170 (+11.07%) Land $40,338 Building $98,832
2024$428.00 (-0.23%)
2023$429.00 (+121.13%) Homeowner's exemption$67,709 (+3%)$125,302 (+31.34%) Land $35,572 Building $89,730
2022$194.00 Homeowner's exemption$65,737$95,400 Land $30,225 Building $65,175

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 10 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims8 (1984–2024)
Claims Outside the SFHA1 of 8
Most Recent ClaimAug 2024 · Hurricane Debby

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 57% of the US · lower than 70% 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 9 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Windstream
DSL		200 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		25 / 3

May also be available: Verizon.

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