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16338 198th Trce, O Brien, FL 32071 Property Records

Suwannee County property record for 16338 198th Trce, O Brien, FL 32071

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,114 sqft · built 2003
Lot Size0.97 acres (42,243 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (May 2026)
Tax Bill$3,045 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
Jul 2020 Mortgage
Flood ZoneZone AE (high risk)
APN02-05S-12E-10853-000980

Property Details

APN / Parcel Number

Primary APN02-05S-12E-10853-000980
Alternative APN
  • 10853000980

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,114 sqft Living Area
1st Floor Area1,114 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2020
Exterior MaterialComposition/Composite
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area42,243 sqft (0.97 acres)
Patio Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address16338 198TH TRCE
CityO BRIEN
StateFL
Zip32071-1630
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG LOT 98 UNIT 2 SUWANNEE BELLE ESTS. (WATER FRONT) ORB 1934 P 357- 358 WD YR 2017
Legal Range12E
Legal Township05S
Legal Section02
Legal SubdivisionSUWANNEE BELLE EST
Legal Lot Number98
Legal Unit2
JurisdictionSUWANNEE FL
Township / Civil DivisionDOWLING PARK
Census Block Group1
Census Block1058
Census Tract970301

Owner

Source: Suwannee County records, as of June 4, 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 Address16338 198TH TRCE, O BRIEN, FL 32071-1630
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 20, 2026Warranty Deed, Transfer · Conventional Mortgage
COAST TO COAST MORTGAGE
Jul 27, 2020Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 20, 2026 · Amount on Record
Deed SaleMay 20, 2026 · Amount on Record
Prior SaleJul 26, 2016 · Amount on Record
Deed Document Number20265388
Deed Book / Page2700 / 258
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateMay 20, 2026
Property Address16338 198TH TRCE, O BRIEN, FL 32071-1630
Document Number0061005388
Book / Page2700 / 258
Instrument DateMay 19, 2026
Instrument20265388
Transaction TypeTransfer
Record UpdatedJun 4, 2026
Title CompanyHILLTOP LAND TITLE, HILL LAW & TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$219,170.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000005389,
DateMay 20, 2026
Instrument20265389
Lender
NameCOAST TO COAST MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property Address16338 198TH TRCE, O BRIEN, FL 32071-1630
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000228209
DateJul 27, 2020
Book Page2200/362
Instrument2020228209
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of December 26, 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$3,045.00 (+5.62%)$206,734 (+2.25%) Land $34,650 Building $172,084$206,734 (+2.25%) Land $34,650 Building $172,084
2024$2,883.00 (+4.65%)
2023$2,755.00 (+23.71%)$202,187 (+60.26%) Land $34,650 Building $167,537$202,187 (+60.26%) Land $34,650 Building $167,537
2022$2,227.00$126,159$126,159 Land $34,650 Building $91,509

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims10 (1998–2012)
Most Recent ClaimJun 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

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

Wildfire RiskModerate
above 53% of the US · lower than 76% 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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Windstream
Fiber		2,000 / 2,000

Cell Coverage

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

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