16522 198th Trce, O Brien, FL 32071 Property Records

Suwannee County property record for 16522 198th Trce, O Brien, FL 32071

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 2004
Owner	Individual Name on Record
Last Sale	$280,000 (Oct 2023)
Tax Bill	$1,111 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-05S-12E-10847-000920`

Property Details

APN / Parcel Number

Primary APN	`02-05S-12E-10847-000920`
Alternative APN	`10847000920`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Width	1 ft Width
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	10847000920
Street Address	16522 198TH TRCE
City	O BRIEN
State	FL
Zip	32071-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG W1/2 LOT 92 SUWANNEE BELLE EST UNIT 2 ORB 2472 P 427-28 WD YR 2024 (JTWFROS)
Legal Range	12E
Legal Township	05S
Legal Section	02
Legal Subdivision	SUWANNEE BELLE EST
Legal Lot Number	92
Legal Unit	2
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	1
Census Block	1058
Census Tract	970301

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 Record	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	16522 198TH TRCE, O BRIEN, FL 32071-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAS MORTGAGE PROFESSIONALS LLC
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Prior Sale	Feb 21, 2020 · Amount on Record
Deed Document Number	2023271798
Deed Book / Page	2472 / 427
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Oct 16, 2023
Property Address	16522 198TH TRCE, O BRIEN, FL 32071-1631
Document Number	0000271798
Book / Page	2472 / 427
Map Reference	MB 1 PG 106
Instrument Date	Oct 12, 2023
Instrument	2023271798
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	NOT AVAILABLE, HILL LAW & TITLE PLLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1518 NEWCASTLE DR, ABILENE, TX 79601-3917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2081 DORIA ST, PORT CHARLOTTE, FL 33952-3856

Mortgage

Document Number	0000000429
Date	Oct 16, 2023
Instrument	2472/429

Lender

Name	AMERICAS MORTGAGE PROFESSIONALS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	16522 198TH TRCE, O BRIEN, FL 32071-1631
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16522 198TH TRCE, O BRIEN, FL 32071-1631

Mortgage

Document Number	0000244536
Date	Oct 21, 2021
Book Page	2306/400
Instrument	2021244536

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Feb 21, 2020
Property Address	16522 198TH TRCE, O BRIEN, FL 32071-1631
Document Number	0000223655
Book / Page	002171 / 000040
Instrument Date	Feb 19, 2020
Instrument	223655
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,085.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	30945 OETTLEY DR BIG PINE KEY FL 330435011, BIG PINE KEY, FL 33043-5011

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		$95,008 (+4.86%)	$202,325 (+22.15%) Land $22,000 Building $180,325
2024	$1,111.00 (+1.74%)
2023	$1,092.00 (+3.9%) Homeowner's exemption	$90,601 (+3%)	$165,632 (+64.81%) Land $22,000 Building $143,632
2022	$1,051.00 Homeowner's exemption	$87,962	$100,496 Land $22,000 Building $78,496

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 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 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

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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 20 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	2,000 / 2,000

Cell Coverage

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

Nearby Properties on 198th Trce

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures