20632 89th Rd, O Brien, FL 32071 Property Records

Suwannee County property record for 20632 89th Rd, O Brien, FL 32071

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,144 sqft · built 1991
Lot Size	12.4 acres (543,629 sqft)
Owner	Individual Name on Record
Last Sale	$206,082 (Mar 2017)
Tax Bill	$1,212 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-05S-14E-03307-000000`

Property Details

APN / Parcel Number

Primary APN	`04-05S-14E-03307-000000`
Alternative APN	`03307000000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Lot Area	543,629 sqft (12.4 acres)
Patio Area	276 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	03307000000
Street Address	20632 89TH RD
City	O BRIEN
State	FL
Zip	32071-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 12.48 ACRES BEGIN AT SW COR THENCE N 89 DEG 21'19 E ALONG SOUTH LINE A DISTANCE OF 856.20 FT THENCE N 00 DEG 04'46 W
Legal Range	14E
Legal Township	05S
Legal Section	04
Jurisdiction	SUWANNEE FL
Township / Civil Division	BRANFORD
Census Block Group	1
Census Block	1002
Census Tract	970601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20632 89TH RD, O BRIEN, FL 32071-3123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 24, 2022	Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT SERVICES OF FLORIDA ACA
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 9, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Mar 29, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2017 · Amount on Record
Deed Sale	Mar 29, 2017 · Amount on Record
Prior Sale	Jun 26, 2014
Deed Document Number	2017191308
Deed Book / Page	01978 / 0006
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20632 89TH RD, O BRIEN, FL 32071-3123

Mortgage

Document Number	0061002486
Date	Mar 4, 2026
Book Page	2679/158
Instrument	202661002486

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Oct 24, 2022
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Document Number	0000258914
Book / Page	2395 / 457
Instrument Date	Oct 20, 2022
Instrument	2022258914
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	HERITAGE TITLE COMPANY, HERITAGE TTL SVCS OF NORTH F

Transaction

Amount	Amount Recorded
Tax	$612.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20632 89TH RD, 20632, O BRIEN, FL 32071-3123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 REEVES ST, LIBERTY, SC 29657-1623

Mortgage

Document Number	0000000459
Date	Oct 24, 2022
Instrument	2395/459

Lender

Name	FARM CREDIT SERVICES OF FLORIDA ACA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20632 89TH RD, O BRIEN, FL 32071-3123

Mortgage

Document Number	0000239221
Date	Jun 7, 2021
Book Page	2273/359
Instrument	2021239221

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Jan 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228924
Date	Aug 20, 2020
Book Page	2206/19
Instrument	2020228924

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Jan 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Document Number	0000198009
Book / Page	002018 / 000045
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20632 89TH RD O BRIEN FL 320713123, O BRIEN, FL 32071-3123

Mortgage

Document Number	0000198009
Date	Nov 21, 2017
Book Page	002018/000045
Instrument	198009

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Mar 29, 2017
Property Address	20632 89TH RD, O BRIEN, FL 32071-3123
Document Number	0000191308
Book / Page	001978 / 000006
Instrument Date	Mar 29, 2017
Instrument	191308
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,442.57
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20632 89TH RD O BRIEN FL 320713123, O BRIEN, FL 32071-3123

Mortgage

Document Number	191309
Date	Mar 29, 2017
Book Page	001978/000008
Instrument	191309

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

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		$100,417 (+5.99%)	$209,665 (+7.92%) Land $78,624 Building $131,041
2024	$1,212.00 (+2.97%)
2023	$1,177.00 (-32.9%) Homeowner's exemption	$94,745 (-29.05%)	$194,286 (+0.01%) Land $71,136 Building $123,150
2022	$1,754.00 Homeowner's exemption	$133,531	$194,270 Land $103,500 Building $90,770

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

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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Hurricane Debby

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

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.2% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

May also be available: AT&T, Rapid Fiber Internet, Verizon.

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