15978 198th Trl, O Brien, FL 32071 Property Records

Suwannee County property record for 15978 198th Trl, O Brien, FL 32071

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 2000
Owner	Individual Name on File
Tax Bill	$355 (2024)
Deeds & Mortgages	Nov 2023 Second Mortgage Jul 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-05S-12E-10883-000131`

Property Details

APN / Parcel Number

Primary APN	`01-05S-12E-10883-000131`
Alternative APN	`10883000131`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Width	1.5 ft Width
Patio Area	1,312 sqft
Fence	Fence
Greenhouse	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	10883000131
Street Address	15978 198TH TRL
City	O BRIEN
State	FL
Zip	32071-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG E1/2 OF LOT 13 SUWANNEE BELLE ESTATES UNIT 1 & W1/2 OF W1/2 OF LOT 14 SUWANNEE BELLE ESTATE UNIT 1 ORB 553 P 286 WD YR 96
Legal Range	12E
Legal Township	05S
Legal Section	01
Legal Subdivision	SUWANNEE BELLE ESTATES
Legal Lot Number	13-14
Legal Unit	1
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	1
Census Block	1058
Census Tract	970301

Owner

15978 198th Trl is owned and occupied by an individual who acquired it in November 2015.

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

Owner of Record	Individual Name on File
Mailing Address	15978 198TH TRL, O BRIEN, FL 32071-1648
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
Nov 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 27, 2017	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Apr 8, 2015
Last Transfer Date	Nov 17, 2015
Transfer Doc	0000176758
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	15978 198TH TRL, O BRIEN, FL 32071-1648
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15978 198TH TRL, O BRIEN, FL 32071-1648

Mortgage

Document Number	0000273138
Date	Nov 21, 2023
Book Page	2480/279
Instrument	2023273138

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2043

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	15978 198TH TRL, O BRIEN, FL 32071-1648
Document Number	0000195202
Book / Page	002000 / 000412
Instrument Date	Jul 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15978 198TH TRL O BRIEN FL 320711648, O BRIEN, FL 32071-1648

Mortgage

Document Number	0000195202
Date	Aug 8, 2017
Book Page	002000/000412
Instrument	195202

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 7, 2032

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		$178,929	$271,503 Land $33,110 Building $238,393
2024	$355.00
2023	$355.00 (+2.9%)	$168,821 (+3%)	$269,684 (+64.54%) Land $33,110 Building $236,574
2022	$345.00	$163,904	$163,904 Land $33,110 Building $130,794

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

Flood

FEMA maps place 15978 198th Trl in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · 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 File median of 33 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	10 (1998–2012)
Most Recent Claim	Jun 2012 · Tropical Storm Debby
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 4 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 4 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 15978 198th Trl is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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