19563 78th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 19563 78th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,718 sqft · built 1973
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Sep 2001)
Tax Bill	$6,777 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-02S-12E-09975-002000`

Property Details

APN / Parcel Number

Primary APN	`18-02S-12E-09975-002000`
Alternative APN	`09975002000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,718 sqft Living Area
1st Floor Area	1,264 sqft
2nd Floor Area	336 sqft
Upper Floors Area	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Porch	Porch
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	09975002000
Street Address	19563 78TH TER
City	LIVE OAK
State	FL
Zip	32060-7723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 10.00 ACRES NW1/4 OF SW1/4 OF SE1/4 ORB 2441 P 402-03 WD YR 2023
Legal Range	12E
Legal Township	02S
Legal Section	18
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	1
Census Block	1047
Census Tract	970304

Owner

19563 78th Ter is owned and occupied by an individual who acquired it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	19563 78TH TER, LIVE OAK, FL 32060-7723
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2001 · Amount on File
Deed Sale	Sep 18, 2001 · Amount on File
Deed Document Number	0008880357
Deed Book / Page	00088 / 000357
Last Transfer Date	May 23, 2023
Transfer Doc	0000266557
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 23, 2023
Property Address	19563 78TH TER, LIVE OAK, FL 32060-7723
Document Number	0000266557
Book / Page	2441 / 402
Instrument Date	May 23, 2023
Instrument	2023266557
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	HILL LAW & TITLE PLLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1817 HOWARD ST W, LIVE OAK, FL 32064-4326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7119 SHADY PINE CT, JACKSONVILLE, FL 32244-7831

Mortgage

Document Number	0000266558
Date	May 23, 2023
Book Page	2441/404
Instrument	2023266558

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	7.12%
Max Rate At Change	9.12%
Index	Other
Max Rate	13.1%

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		$150,307	$157,245 Land $74,900 Building $82,345
2024	$6,777.00 (+439.14%)
2023	$1,257.00 (+3.63%) Homeowner's exemption	$100,170 (+3%)	$192,169 (+28.07%) Land $64,000 Building $128,169
2022	$1,213.00 Homeowner's exemption	$97,252	$150,047 Land $56,000 Building $94,047

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

Flood

FEMA maps place 19563 78th 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 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 19563 78th Ter is moderate, ranking above 53% 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 53% of the US · lower than 76% 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 12 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	200 / 20

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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