18651 229th Dr, Live Oak, FL 32060 Property Records

Suwannee County property record for 18651 229th Dr, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,270 sqft · built 2003
Lot Size	1.85 acres (80,994 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (Oct 2025)
Tax Bill	$3,217 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2023 Foreclosure + 4 more
Flood Zone	Zone AE (high risk)
APN	`28-04S-11E-11996-003120`

Property Details

APN / Parcel Number

Primary APN	`28-04S-11E-11996-003120`
Alternative APN	`11996003120`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,270 sqft Living Area
1st Floor Area	1,270 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2017
Exterior Material	Composition
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	80,994 sqft (1.85 acres)
Lot Width	148 ft Width
Patio Area	996 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18651 229TH DR
City	LIVE OAK
State	FL
Zip	32060-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 12 SUWANNEE RIDGE UNIT III ORB 2436 P 428-31 SWD YR 2023 ORB 2436 P 437 SWD YR 2023
Legal Range	11E
Legal Township	04S
Legal Section	28
Legal Subdivision	SUWANNEE RIDGE
Legal Lot Number	12
Legal Unit	II
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	2
Census Block	2033
Census Tract	970303

Owner

18651 229th Dr is owned and occupied by two individuals who bought it in October 2025.

Source: Suwannee County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18651 229TH DR, LIVE OAK, FL 32060-5201
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
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
May 2, 2023	Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
May 2, 2023	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 2, 2023	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY, ATTORNEY
Mar 16, 2018	Deed of Trust, Mortgage TIAA FSB
May 18, 2017	Grant Deed, Transfer · Conventional with PMI FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	May 2, 2023 · Amount on File
Deed Document Number	2025298331
Deed Book / Page	2640 / 306
Prior Transfer Date	Apr 2, 2023
Prior Transfer Doc	0000265682
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Oct 6, 2025
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0061298331
Book / Page	2640 / 306
Map Reference	MB 1 PG 187
Instrument Date	Sep 25, 2025
Instrument	202561298331
Transaction Type	Transfer
Record Updated	Oct 27, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18651 229TH DR, LIVE OAK, FL 32060-5201

Mortgage

Document Number	0000000309
Date	Oct 6, 2025
Instrument	2640/309

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

May 2023: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 2, 2023
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0000265684
Book / Page	2436 / 437
Map Reference	MB 1 PG 187
Instrument Date	Apr 24, 2023
Instrument	2023265684
Transaction Type	Foreclosure
Record Updated	Jun 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342-5421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 GRANITE PKWY, PLANO, TX 75024-4177

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 2, 2023
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0000265681
Book / Page	2436 / 428
Map Reference	MB 1 PG 187
Instrument Date	Apr 2, 2023
Instrument	2023265681
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,142.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 N 4TH ST, PHILADELPHIA, PA 19123-4124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342-5421

May 2023: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SUWANNEE FL
Recording Date	May 2, 2023
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0000265682
Book / Page	2436 / 432
Map Reference	MB 1 PG 187
Instrument Date	Apr 2, 2023
Instrument	2023265682
Transaction Type	Foreclosure
Record Updated	Jun 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18651 229TH DR, LIVE OAK, FL 32060-5201

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0000201633
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18651 229TH DR LIVE OAK FL 320605201, LIVE OAK, FL 32060-5201

Mortgage

Document Number	0000201633
Date	Mar 23, 2018
Book Page	002038/000384
Instrument	201633

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 18, 2017
Property Address	18651 229TH DR, LIVE OAK, FL 32060-5201
Document Number	0000192854
Book / Page	001987 / 000230
Instrument Date	Mar 20, 2017
Instrument	192854
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	BUYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18651 229TH DR LIVE OAK FL 320605201, LIVE OAK, FL 32060-5201

Mortgage

Document Number	192855
Date	May 18, 2017
Book Page	001987/000232
Instrument	192855

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18651 229th Dr was $3,217, down 1.2% from the year before.

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	$3,217.00 (-1.17%)	$194,298 (-1.63%) Land $47,360 Building $146,938	$194,298 (-1.63%) Land $47,360 Building $146,938
2024	$3,255.00 (+18.97%)	$197,524 (+1.37%) Land $47,360 Building $150,164	$197,524 (+1.37%) Land $47,360 Building $150,164
2023	$2,736.00 (+21.17%)	$194,850 (+51.95%) Land $47,360 Building $147,490	$194,850 (+51.95%) Land $47,360 Building $147,490
2022	$2,258.00	$128,232	$128,232 Land $44,400 Building $83,832

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

Flood

FEMA maps place 18651 229th Dr 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 21 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	1 (2009)
Most Recent Claim	Apr 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

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 18651 229th Dr is moderate, ranking above 45% 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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