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13895 109th Dr, Live Oak, FL 32064 Property Records

Suwannee County property record for 13895 109th Dr, Live Oak, FL 32064

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,368 sqft · built 1985
Lot Size10 acres (435,600 sqft)
Owner2 Individual Names on Record
Tax Bill$630 (2024)
Flood ZoneZone X (minimal risk)
APN25-03S-13E-08709-000000

Property Details

APN / Parcel Number

Primary APN25-03S-13E-08709-000000
Alternative APN
  • 08709000000

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,368 sqft Living Area
1st Floor Area1,368 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2014
Exterior MaterialBrick
Lot Area435,600 sqft (10 acres)
PorchPorch
Patio Area168 sqft
Greenhouse108 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number08709000000
Street Address13895 109TH DR
CityLIVE OAK
StateFL
Zip32064
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 10.00 ACRES E1/2 OF E1/2 OF SW1/4 OF NW1/4 ORB 84 P 570 ORB 124 P 112 ORB 841 P 92 WD YR 2001
Legal Range13E
Legal Township03S
Legal Section25
JurisdictionSUWANNEE FL
Township / Civil DivisionMCALPIN-WELLBORN
Census Block Group1
Census Block1012
Census Tract970501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address643 HELVENSTON ST SE, LIVE OAK, FL 32064-3356
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 1, 2000
Deed SaleDec 1, 2000
Deed Document Number0000084192
Record UpdatedJun 8, 2026

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$99,129 (+5.99%)$206,432 (+12.63%) Land $74,900 Building $131,532
2024$630.00 (+2.27%)
2023$616.00 (+124.82%) Homeowner's exemption$93,529 (+3%)$183,289 (+28.4%) Land $64,000 Building $119,289
2022$274.00 Homeowner's exemption$90,805$142,751 Land $56,000 Building $86,751

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims3 (2012–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimAug 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

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 Likelihood0.1% 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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 109th Dr

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