16045 31st Dr, Wellborn, FL 32094 Property Records

Suwannee County property record for 16045 31st Dr, Wellborn, FL 32094

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,520 sqft · built 2009
Lot Size	5.5 acres (239,580 sqft)
Owner	Individual Name on File
Tax Bill	$733 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-04S-15E-00813-002000`

Property Details

APN / Parcel Number

Primary APN	`10-04S-15E-00813-002000`
Alternative APN	`00813002000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	2,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Exterior Material	Vinyl
Lot Area	239,580 sqft (5.5 acres)
Patio Area	1,024 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00813002000
Street Address	16045 31ST DR
City	WELLBORN
State	FL
Zip	32094-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 5.50 ACRES FOR PT OF REF COMM AT THE NW COR OF SAID SECTION 10 THENCE RUN S 00 DEG 37'57 E ALONG THE W LINE OF SAID
Legal Range	15E
Legal Township	04S
Legal Section	10
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	3
Census Block	3003
Census Tract	970502

Owner

16045 31st Dr is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	16045 31ST DR, WELLBORN, FL 32094-2912
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
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 29, 2022	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Dec 15, 2023	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Dec 16, 2021	Intrafamily Transfer, Transfer
Aug 16, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2012
Deed Sale	Nov 19, 2012
Prior Sale	Sep 29, 2016
Deed Document Number	0000145504
Last Transfer Date	Aug 16, 2021
Transfer Doc	0000241893
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	16045 31ST DR, WELLBORN, FL 32094-2912
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 NW FLAPPY DR, LAKE CITY, FL 32094

Mortgage

Document Number	0000242395
Date	Aug 25, 2021
Book Page	2293/361
Instrument	2021242395

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	578 Months
Due	Oct 1, 2069

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	16045 31ST DR, WELLBORN, FL 32094-2912
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16045 31ST DR, WELLBORN, FL 32094-2912

Mortgage

Document Number	0000254576
Date	Jun 29, 2022
Book Page	2370/38
Instrument	2022254576

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	16045 31ST DR, WELLBORN, FL 32094-2912
Transaction Type	Mortgage
Record Updated	Feb 12, 2024
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16045 31ST DR, WELLBORN, FL 32094-2912

Mortgage

Document Number	0000273967
Date	Dec 15, 2023
Book Page	2486/1
Instrument	2023273967

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Jul 1, 2052

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Dec 16, 2021
Property Address	16045 31ST DR, WELLBORN, FL 32094-2912
Document Number	0000246703
Book / Page	2319 / 415
Instrument Date	Dec 15, 2021
Instrument	2021246703
Transaction Type	Transfer
Record Updated	Feb 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16019 31ST DR, WELLBORN, FL 32094-2912

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Aug 16, 2021
Property Address	16045 31ST DR, WELLBORN, FL 32094-2912
Document Number	0000241893
Book / Page	2291 / 12
Instrument Date	Aug 16, 2021
Instrument	2021241893
Transaction Type	Transfer
Record Updated	Feb 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16045 31ST DR, WELLBORN, FL 32094-2912

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		$76,555	$119,476 Land $57,612 Building $61,864
2024	$733.00
2023	$733.00 (-60.72%)	$72,230 (-11.59%)	$99,876 (+22.25%) Land $43,725 Building $56,151
2022	$1,866.00	$81,701	$81,701 Land $37,950 Building $43,751

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

Flood

FEMA maps place 16045 31st Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 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 16045 31st Dr is moderate, ranking above 59% 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 59% of the US · lower than 67% 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 31 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 · Fiber in parts of the area	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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