148 NW Stephens Rd, Mayo, FL 32066 Property Records

Lafayette County property record for 148 NW Stephens Rd, Mayo, FL 32066

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,212 sqft · built 2008
Lot Size	2.16 acres (94,090 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (Oct 2019)
Tax Bill	$200 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`0048000000070`

Property Details

APN / Parcel Number

Primary APN	`0048000000070`
Alternative APN	`2704110048000000070`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	3,212 sqft Living Area
Upper Floors Area	288 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Architectural Style	Custom Design
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	94,090 sqft (2.16 acres)
Lot Width	151 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	277 sqft
Deck Area	1,117 sqft
Patio Area	64 sqft
Storage Building	25 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	0048000000070
Street Address	148 NW STEPHENS RD
City	MAYO
State	FL
Zip	32066-3871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 0002.16 ACRES LOT 7 SUWANNEE RIVER COUNTRY ESTATE PB A P. 45 & 46 PUBLIC RECORDS LAFAYETTE CO. FL. OR BK 65 P. 853; OR BK
Legal Range	11E
Legal Township	04S
Legal Section	27
Legal Subdivision	SUWANNEE RIVER COUNTRY ESTATE
Legal Lot Number	7
Jurisdiction	LAFAYETTE FL
Township / Civil Division	DAY
Census Block Group	2
Census Block	2041
Census Tract	960100

Owner

Source: Lafayette County records, as of December 15, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	148 NW STEPHENS RD, MAYO, FL 32066-3871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Oct 24, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2019 · Amount on Record
Deed Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	201934001666
Deed Book / Page	398 / 359
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE FL
Property Address	148 NW STEPHENS RD, MAYO, FL 32066-3871
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 NW STEPHENS RD, MAYO, FL 32066-3871

Mortgage

Document Number	0034000966
Date	May 28, 2021
Book Page	418/299
Instrument	202134000966

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE FL
Recording Date	Oct 24, 2019
Property Address	148 NW STEPHENS RD, MAYO, FL 32066-3871
Document Number	0034001666
Book / Page	398 / 359
Map Reference	MB A PG 45
Instrument Date	Oct 21, 2019
Instrument	201934001666
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,918.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2520 BROOKHAVEN CT, 2520, YOUNG HARRIS, GA 30582-1471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 NW STEPHENS RD, MAYO, FL 32066-3871

Mortgage

Document Number	0000398361
Date	Oct 24, 2019
Instrument	398/361

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lafayette County
Unified School District	Lafayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$200.00 (+14.29%) Disabled Person's exemption Veteran's exemption	$306,441 (+27.72%)	$364,874 (+24.03%) Land $45,300 Building $319,574
2024	$175.00 Disabled Person's exemption Veteran's exemption	$239,931 (+3%)	$294,182 (+1.12%) Land $45,300 Building $248,882
2023	$175.00 Disabled Person's exemption Veteran's exemption	$232,943 (+3%)	$290,919 (+12.91%) Land $45,300 Building $245,619
2022	$175.00 Disabled Person's exemption Veteran's exemption	$226,158	$257,654 Land $45,300 Building $212,354

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 December 15, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	33 (1984–2009)
Claims Outside the SFHA	2 of 33
Most Recent Claim	Nov 2009 · other causes
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 9 claims Severe Storms, High Winds, Tornadoes, And Flooding, Apr 1998 · 10 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 Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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