13242 97th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 13242 97th Rd, Live Oak, FL 32060

Property Summary

Property Type	Mobile Home
Details	2 ba · 2,540 sqft · built 2003
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jun 2017)
Tax Bill	$2,255 (2025)
Deeds & Mortgages	Feb 2024 Reverse Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-03S-14E-02784-000036`

Property Details

APN / Parcel Number

Primary APN	`20-03S-14E-02784-000036`
Alternative APN	`02784000036`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,540 sqft Living Area
1st Floor Area	2,540 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	348,480 sqft (8 acres)
Patio Area	1,520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	13242 97TH RD
City	LIVE OAK
State	FL
Zip	32060-6877
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEG LOTS 36 & 37 MEADOW LAKE SUB DIV ORB 1994 P 171-72 WD YR 2018
Legal Range	14E
Legal Township	03S
Legal Section	20
Legal Subdivision	MEADOW LAKE SUB DIV
Legal Lot Number	36,37
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	1
Census Block	1002
Census Tract	970501

Owner

13242 97th Rd, a mobile home, is owned and occupied by an individual who bought it in June 2017.

Source: Suwannee County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	13242 97TH RD, LIVE OAK, FL 32060-6877
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
Feb 5, 2024	Deed of Trust, Mortgage · Reverse Mortgage FLORIDA CU
Sep 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 30, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Deed Document Number	2017194107
Deed Book / Page	1994 / 171
Prior Transfer Date	Jan 23, 2006
Prior Transfer Doc	0601162701
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	13242 97TH RD, LIVE OAK, FL 32060-6877
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13242 97TH RD, LIVE OAK, FL 32060-6877

Mortgage

Document Number	0000275559
Date	Feb 5, 2024
Book Page	2494/399
Instrument	2024275559

Lender

Name	FLORIDA CU
Type	Credit Union
Address	PO BOX 5158, GAINESVILLE, FL 32627

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 4, 2044

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	13242 97TH RD, LIVE OAK, FL 32060-6877
Transaction Type	Mortgage
Record Updated	Oct 28, 2022
Title Company	ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13242 97TH RD, LIVE OAK, FL 32060-6877

Mortgage

Document Number	0000257993
Date	Sep 27, 2022
Book Page	2390/135
Instrument	2022257993

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2042

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 30, 2017
Property Address	13242 97TH RD, LIVE OAK, FL 32060-6877
Document Number	0000194107
Book / Page	001994 / 000171
Instrument Date	Jun 30, 2017
Instrument	194107
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13242 97TH RD LIVE OAK FL 320606877, LIVE OAK, FL 32060-6877

Mortgage

Document Number	194108
Date	Jun 30, 2017
Book Page	001994/000173
Instrument	194108

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 13242 97th Rd was $2,255 with a homeowner's exemption, up 4.8% from the year before.

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	$2,255.00 (+4.83%) Homeowner's exemption	$254,934 Land $100,800 Building $154,134	$254,934 Land $100,800 Building $154,134
2024	$2,151.00 (+2.28%)
2023	$2,103.00 (+3.14%) Homeowner's exemption	$133,394 (+3%)	$142,489 (+10.02%) Land $44,000 Building $98,489
2022	$2,039.00 Homeowner's exemption	$129,509	$129,509 Land $36,800 Building $92,709

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

Flood

FEMA maps place 13242 97th Rd in Zone X, an area of minimal flood risk, though there have been 3 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 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2012–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 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 13242 97th Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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 13 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

Cell Coverage

5G (outdoors only) and 4G LTE

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