16973 90th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 16973 90th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,393 sqft · built 1986
Lot Size	5.01 acres (218,235 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,856 (2024)
Deeds & Mortgages	Apr 2026 Sale Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-02S-12E-10049-000000`

Property Details

APN / Parcel Number

Primary APN	`27-02S-12E-10049-000000`
Alternative APN	`10049000000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	4,393 sqft Living Area
1st Floor Area	2,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	218,235 sqft (5.01 acres)
Pool Type	Spa / Hot Tub (No Pool)
Patio Area	2,202 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	16973 90TH TER
City	LIVE OAK
State	FL
Zip	32060-6088
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 5.01 ACRES COMM AT SE COR OF NE1/4 & RUN N 1765.45 FT RUN W 795.15 FT RUN S 550.00 FT TO POB RUN S 552.93 FT RUN W 394.95 FT RUN N 552.93 FT RUN E 394.95 FT TO POB ORB 169 P 242 WD ORB 2120 P 83 DC YR 2020 (SONIA MARIE GOMES DE MESQUITA WHITE) OR
Legal Range	12E
Legal Township	02S
Legal Section	27
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	2
Census Block	2004
Census Tract	970304

Owner

16973 90th Ter is owned and occupied by two individuals who acquired it in May 2019.

Source: Suwannee County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16973 90TH TER, LIVE OAK, FL 32060-6088
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 9, 2026	Deed, Transfer HILLTOP LAND TITLE, HILL LAW & TITLE
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK
Jun 21, 2019	Correction Deed, Transfer ATTORNEY ONLY
Feb 5, 2018	Loan Modification, Mortgage · Line of Credit FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 29, 2019
Transfer Doc	0000216074
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUWANNEE FL
Recording Date	Apr 9, 2026
Property Address	16973 90TH TER, LIVE OAK, FL 32060-6088
Document Number	0000003750
Book / Page	2688 / 144
Instrument Date	Apr 9, 2026
Instrument	20263750
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	HILLTOP LAND TITLE, HILL LAW & TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Investor	Possibly a Property Investor

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	16973 90TH TER, LIVE OAK, FL 32060-6088
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16973 90TH TER, LIVE OAK, FL 32060-6088

Mortgage

Document Number	0061298112
Date	Sep 30, 2025
Book Page	2639/47
Instrument	202561298112

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LIVE OAK, FL 32064

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 21, 2019
Property Address	16973 90TH TER, LIVE OAK, FL 32060-6088
Document Number	0000216074
Book / Page	002124 / 000389
Instrument Date	May 29, 2019
Instrument	216074
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	16973 90TH TER LIVE OAK FL 320606088, LIVE OAK, FL 32060-6088

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUWANNEE FL
Property Address	16973 90TH TER, LIVE OAK, FL 32060-6088
Document Number	0000201929
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Apr 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16973 90TH TER LIVE OAK FL 320606088, LIVE OAK, FL 32060-6088

Mortgage

Document Number	0000201929
Date	Apr 2, 2018
Book Page	002040/000330
Instrument	201929

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LIVE OAK, FL 32064

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of December 26, 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		$484,961 Land $52,479 Building $432,482	$484,961 Land $52,479 Building $432,482
2024	$4,856.00 (+5.24%)
2023	$4,614.00 (+16.19%) Homeowner's exemption	$293,331 (+24.39%)	$409,684 (+37%) Land $39,829 Building $369,855
2022	$3,971.00 Homeowner's exemption	$235,824	$299,035 Land $34,569 Building $264,466

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

Flood

FEMA maps place 16973 90th Ter in Zone X, an area of minimal flood risk.

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	2 in force

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 16973 90th Ter is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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