12979 94th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 12979 94th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,302 sqft · built 2007
Lot Size	1.5 acres (65,471 sqft)
Owner	Individual Name on File
Last Sale	$238,000 (Jun 2019)
Tax Bill	$2,927 (2024)
Deeds & Mortgages	Jul 2022 Transfer May 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-02S-13E-08256-010470`

Property Details

APN / Parcel Number

Primary APN	`28-02S-13E-08256-010470`
Alternative APN	`08256010470`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,302 sqft Living Area
1st Floor Area	2,284 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	65,471 sqft (1.5 acres)
Garage Area	624 sqft
Porch	Finished/Screened Porch
Patio Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	08256010470
Street Address	12979 94TH TER
City	LIVE OAK
State	FL
Zip	32060-6307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 1.53 ACRES LOTS 46 47 & 48 CARRIAGE PLACE UNIT 1 ORB 2124 P 121 WD YR 2020 ORB 2370 P 458-59 ENHANCED LED YR 2023
Legal Range	13E
Legal Township	02S
Legal Section	28
Legal Subdivision	CARRIAGE PLACE 01
Legal Lot Number	46-48
Legal Unit	1
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	1
Census Block	1007
Census Tract	970402

Owner

12979 94th Ter is owned and occupied by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12979 94TH TER, LIVE OAK, FL 32060-6307
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 5, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 23, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Jun 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on File
Deed Sale	Jun 20, 2019 · Amount on File
Prior Sale	Jun 20, 2019 · Amount on File
Deed Document Number	0000216025
Deed Book / Page	2124 / 0121
Last Transfer Date	Jul 5, 2022
Transfer Doc	0000254713
Record Updated	Jun 8, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Jul 5, 2022
Property Address	12979 94TH TER, LIVE OAK, FL 32060-6307
Document Number	0000254713
Book / Page	2370 / 458
Map Reference	MB 1 PG 385
Instrument Date	Jun 24, 2022
Instrument	2022254713
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12979 94TH TER, LIVE OAK, FL 32060-6307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12979 94TH TER, LIVE OAK, FL 32060-6307

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	12979 94TH TER, LIVE OAK, FL 32060-6307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203524
Date	May 23, 2018
Book Page	2050/0284
Instrument	2018203524

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 20, 2019
Property Address	12979 94TH TER, LIVE OAK, FL 32060-6307
Document Number	0000216025
Book / Page	002124 / 000121
Instrument Date	Jun 19, 2019
Instrument	216025
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	ABSTRACT TRUST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12979 94TH TER LIVE OAK FL 320606307, LIVE OAK, FL 32060-6307

Mortgage

Document Number	216026
Date	Jun 20, 2019
Book Page	002124/000122
Instrument	216026

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 20, 2019
Property Address	12979 94TH TER, LIVE OAK, FL 32060-6307
Document Number	0000216025
Book / Page	2124 / 0121
Map Reference	MB 1 PG 385
Instrument Date	Jun 19, 2019
Instrument	2019216025
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ABSTRACT TRUST TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12979 94TH TER, LIVE OAK, FL 32060-6307

Mortgage

Document Number	0000216026
Date	Jun 20, 2019
Book Page	2124/0122
Instrument	2019216026

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

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		$227,364	$364,010 Land $51,000 Building $313,010
2024	$2,927.00 (+2.67%)
2023	$2,851.00 (+0.18%) Homeowner's exemption	$214,520 (+3%)	$310,961 (+32.1%) Land $36,000 Building $274,961
2022	$2,846.00 Homeowner's exemption	$208,272	$235,396 Land $36,000 Building $199,396

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

Flood

FEMA maps place 12979 94th Ter in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2012.

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 File median of 26 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	8 (2012–2024)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Aug 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 12979 94th Ter is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% 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 44 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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