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12985 94th Trce, Live Oak, FL 32060 Property Records

Suwannee County property record for 12985 94th Trce, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,026 sqft · built 2014
Lot Size0.503 acres (21,930 sqft)
OwnerIndividual Name on File
Last Sale$410,000 (Apr 2026)
Tax Bill$2,022 (2024)
Deeds & MortgagesApr 2026 Sale
Oct 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-02S-13E-08256-010120

Property Details

APN / Parcel Number

Primary APN28-02S-13E-08256-010120
Alternative APN
  • 08256010120

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,026 sqft Living Area
1st Floor Area2,006 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2022
Exterior MaterialComposition/Composite
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area21,930 sqft (0.503 acres)
Lot Width1 ft Width
Garage Area441 sqft
Patio Area461 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address12985 94TH TRCE
CityLIVE OAK
StateFL
Zip32060-6309
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG .51 ACRES LOT 12 CARRIAGE PLACE UNIT 1 ORB 2318 P 486-87 WD YR 2022 ORB 2318 P 488-89 ENHANCED LED YR 2022 REMAINDER PERSONS: RACHEL RAE MCCUSKER & SANDRA D MCCUSKER & MICHAEL A MCCUSKER & KEVIN C MCCUSKER
Legal Range13E
Legal Township02S
Legal Section28
Legal SubdivisionCARRIAGE PLACE
Legal Lot Number12
Legal Unit1
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group1
Census Block1007
Census Tract970402

Owner

12985 94th Trce is owned and occupied by an individual who bought it in April 2026.

Source: Suwannee County records, as of May 11, 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 File
Mailing Address12985 94TH TRCE, LIVE OAK, FL 32060-6309
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Warranty Deed, Transfer
HILLTOP LAND TITLE, HILL LAW & TITLE
Oct 11, 2019Deed of Trust, Mortgage · Commercial Mortgage
FIRST FEDERAL BANK
Aug 3, 2017Quit Claim Deed, Transfer
SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 30, 2026 · Amount on File
Deed SaleApr 30, 2026 · Amount on File
Prior SaleJan 6, 2014 · Amount on File
Deed Document Number20264614
Deed Book / Page2695 / 54
Prior Transfer DateAug 3, 2017
Prior Transfer Doc0000195097
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateApr 30, 2026
Property Address12985 94TH TRCE, LIVE OAK, FL 32060-6309
Document Number0000004614
Book / Page2695 / 54
Instrument DateApr 30, 2026
Instrument2026.4614
Transaction TypeTransfer
Record UpdatedMay 12, 2026
Title CompanyHILLTOP LAND TITLE, HILL LAW & TITLE

Transaction

AmountAmount on Record
Tax$289,870.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property Address12985 94TH TRCE, LIVE OAK, FL 32060-6309
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000219499
DateOct 11, 2019
Book Page2145/0395
Instrument2019219499
Lender
NameFIRST FEDERAL BANK
TypeBank
AddressLIVE OAK, FL 32064
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSUWANNEE FL
Recording DateAug 3, 2017
Property Address12985 94TH TRCE, LIVE OAK, FL 32060-6309
Document Number0000195097
Book / Page002000 / 000065
Instrument DateAug 3, 2017
Instrument195097
Transaction TypeTransfer
Record UpdatedAug 10, 2017
Title CompanySUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VLY TITLE SVC INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12985 94TH TRCE LIVE OAK FL 320606309, LIVE OAK, FL 32060-6309

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of December 26, 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$277,684 Land $17,000 Building $260,684$277,684 Land $17,000 Building $260,684
2024$2,022.00 (+2.69%)
2023$1,969.00 (+3.09%) Homeowner's exemption$149,894 (+3%)$237,860 (+35.41%) Land $12,000 Building $225,860
2022$1,910.00 Homeowner's exemption$145,528$175,657 Land $12,000 Building $163,657

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12985 94th Trce 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 ZoneZone X
minimal risk
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 12985 94th Trce is moderate, ranking above 52% 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 RiskModerate
above 52% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% 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 44 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: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 94th Trce

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