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20428 31st Rd, Wellborn, FL 32094 Property Records

Suwannee County property record for 20428 31st Rd, Wellborn, FL 32094

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,872 sqft · built 1983
Lot Size4 acres (174,240 sqft)
OwnerIndividual Name on File
Last Sale$274,900 (Feb 2021)
Tax Bill$1,259 (2024)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-05S-15E-00924-030420

Property Details

APN / Parcel Number

Primary APN03-05S-15E-00924-030420
Alternative APN
  • 00924030420

Interior

Full Baths3 Baths
Stories1 Story
Building Area1,872 sqft Living Area
1st Floor Area1,872 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 2018
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialMetal
Lot Area174,240 sqft (4 acres)
Garage Area552 sqft

Exterior Amenities

PorchFinished/Screened Porch
Patio Area240 sqft
FenceFence
Pole Barn288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number00924030420
Street Address20428 31ST RD
CityWELLBORN
StateFL
Zip32094-3748
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG LOT 42 FLORIDA HILLS PHASE III ORB 2247 P 150-51 WD YR 2021 ORB 2568 P 98-99 WD ENHANCED LED YR 2025 REMAINDER PERSONS:
Legal Range15E
Legal Township05S
Legal Section03
Legal SubdivisionFLORIDA HILLS PHASE III
Legal Phase3
Legal Lot Number42
Legal Unit42
JurisdictionSUWANNEE FL
Township / Civil DivisionMCALPIN-WELLBORN
Census Block Group3
Census Block3041
Census Tract970502

Owner

20428 31st Rd is owned and occupied by an individual who acquired it in December 2024.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address20428 31ST RD, WELLBORN, FL 32094-3748
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleFeb 26, 2021 · Amount on File
Deed SaleFeb 26, 2021 · Amount on File
Prior SaleFeb 26, 2021 · Amount on File
Deed Document Number0000235274
Deed Book / Page2247 / 150
Last Transfer DateDec 26, 2024
Transfer Doc0000287436
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateFeb 26, 2021
Property Address20428 31ST RD, WELLBORN, FL 32094-3748
Document Number0000235274
Book / Page2247 / 150
Map ReferenceMB 1 PG 302
Instrument DateFeb 23, 2021
Instrument2021235274
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyLAKE CITY TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,924.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address805 SW DYAL AVE, 805, LAKE CITY, FL 32024-4512

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address20428 31ST RD, WELLBORN, FL 32094-3748

Mortgage

Document Number0000000152
DateFeb 26, 2021
Instrument2247/152
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySuwannee County
Unified School DistrictSuwannee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$105,383$304,053 Land $38,000 Building $266,053
2024$1,259.00
2023Homeowner's exemption$99,430 (+3%)$271,862 (+35.74%) Land $32,800 Building $239,062
2022$1,179.00 Homeowner's exemption$96,534$200,277 Land $22,800 Building $177,477

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20428 31st Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims4 (2024)
Claims Outside the SFHA4 of 4
Most Recent ClaimAug 2024 · Hurricane Debby
Claims by Event
  • Hurricane Debby, Aug 2024 · 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

Wildfire risk around 20428 31st Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 26 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Windstream
DSL		200 / 20
T-Mobile
Fixed Wireless		100 / 20

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