19783 Lancaster Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 19783 Lancaster Rd, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,626 sqft · built 1984
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Jul 2021)
Tax Bill	$3,573 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-02S-12E-10087-002000`

Property Details

APN / Parcel Number

Primary APN	`31-02S-12E-10087-002000`
Alternative APN	`10087002000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,626 sqft Living Area
1st Floor Area	1,626 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Lot Area	435,600 sqft (10 acres)
Garage Type	Carport
Carport	Carport
Carport Area	920 sqft
Pool Type	Above-Ground Pool
Porch	Finished/Screened Porch
Patio Area	1,790 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10087002000
Street Address	19783 LANCASTER RD
City	LIVE OAK
State	FL
Zip	32060-5980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 10.00 ACRES FOR PT OF REF COM AT THE SW COR OF SECTION RUN N 0 DEG 21'08 W ALONG THE W LINE OF SAID SECTION A DISTANCE OF
Legal Range	12E
Legal Township	02S
Legal Section	31
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	2
Census Block	2016
Census Tract	970304

Owner

19783 Lancaster Rd is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980
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
Mar 15, 2023	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Jul 26, 2021	Warranty Deed, Transfer · VA Mortgage NFM INC
Oct 24, 2019	Deed of Trust, Mortgage · VA Mortgage FAIRWAY FUNDING GROUP INC
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on File
Deed Sale	Jul 26, 2021 · Amount on File
Prior Sale	Feb 22, 2006
Deed Document Number	2021241053
Deed Book / Page	2285 / 442
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980
Transaction Type	Mortgage
Record Updated	Apr 13, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980

Mortgage

Document Number	0000263950
Date	Mar 15, 2023
Book Page	2426/100
Instrument	2023263950

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jul 26, 2021
Property Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980
Document Number	0000241053
Book / Page	2285 / 442
Instrument Date	Jul 22, 2021
Instrument	2021241053
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	HERITAGE TITLE COMPANY, HERITAGE TTL SVCS OF NORTH F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19783 LANCASTER RD, 19783, LIVE OAK, FL 32060-5980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 GLORIA AVE, HALETHORPE, MD 21227-2331

Mortgage

Document Number	0000000444
Date	Jul 26, 2021
Instrument	2285/444

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000219888
Date	Oct 24, 2019
Book Page	2148/0181
Instrument	2019219888

Lender

Name	FAIRWAY FUNDING GROUP INC
Type	Mortgage Company
Address	BRADENTON, FL 34202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19783 LANCASTER RD, LIVE OAK, FL 32060-5980

Mortgage

Document Number	0000229802
Date	Sep 15, 2020
Book Page	2211/404
Instrument	2020229802

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

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		$265,779	$333,226 Land $74,900 Building $258,326
2024	$3,573.00 (+2.47%)
2023	$3,487.00 (+2.62%) Homeowner's exemption	$250,933 (+2.96%)	$312,015 (+28.03%) Land $64,000 Building $248,015
2022	$3,398.00 Homeowner's exemption	$243,711	$243,711 Land $56,000 Building $187,711

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

Flood

FEMA maps place 19783 Lancaster Rd 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 19783 Lancaster Rd 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 75% 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 5 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 (outdoors only) and 4G LTE

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