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20745 78th Trce, Live Oak, FL 32060 Property Records

Suwannee County property record for 20745 78th Trce, Live Oak, FL 32060

Property Summary

Property TypeResidential Vacant Land
Lot Size4.94 acres (215,622 sqft)
OwnerIndividual Name on Record
Last Sale$270,000 (May 2025)
Tax Bill$597 (2024)
Deeds & MortgagesMay 2025 Sale & Mortgage
Oct 2023 Sale
Flood ZoneZone X (minimal risk)
APN13-02S-11E-11014-000150

Property Details

APN / Parcel Number

Primary APN13-02S-11E-11014-000150
Alternative APN
  • 11014000150

Exterior

Lot Area215,622 sqft (4.94 acres)

Location & Zoning

Account Number11014000150
Street Address20745 78TH TRCE
CityLIVE OAK
StateFL
Zip32060-9089
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionLEG 4.95 ACRES LOT 15 REPLAT OF TWIN TIMBERS ORB 2603 P 158-59 WD YR 2025 (JTWROS)
Legal Range11E
Legal Township02S
Legal Section13
Legal Lot Number15
Legal Unit15
JurisdictionSUWANNEE FL
Township / Civil DivisionDOWLING PARK
Census Block Group1
Census Block1047
Census Tract970304

Owner

Source: Suwannee County records, as of February 6, 2026

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

Owner of RecordIndividual Name on Record
Co-owner2 Co-owners on Record
Mailing Address20745 78TH TRCE, LIVE OAK, FL 32060-9089
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 14, 2025Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 31, 2023Warranty Deed, Transfer
UNKNOWN, HILL LAW & TITLE PLLC

Assessor's Deed Record

Deed Names4 Names on Deed
Last SaleMay 14, 2025 · Amount on Record
Deed SaleMay 14, 2025 · Amount on Record
Prior SaleOct 31, 2023 · Amount on Record
Deed Document Number2025292845
Deed Book / Page2603 / 158
Record UpdatedJun 8, 2026

May 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateMay 14, 2025
Property Address20745 78TH TRCE, LIVE OAK, FL 32060-9089
Document Number0000292845
Book / Page2603 / 158
Map ReferenceMB 1 PG 547
Instrument DateMay 8, 2025
Instrument2025292845
Transaction TypeTransfer
Record UpdatedFeb 9, 2026
Title CompanyABSTRACT AND TITLE SERVICES INC, ABSTRACT & TITLE SVCS INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12788 US HIGHWAY 90, LIVE OAK, FL 32060-8859

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20745 78TH TRCE, LIVE OAK, FL 32060-9089

Mortgage

Document Number0000000160
DateMay 14, 2025
Instrument2603/160
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2055

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateOct 31, 2023
Property Address20745 78TH TRCE, LIVE OAK, FL 32060-9089
Document Number0000272396
Book / Page2476 / 334
Map ReferenceMB 1 PG 547
Instrument DateOct 27, 2023
Instrument2023272396
Transaction TypeTransfer
Record UpdatedFeb 3, 2026
Title CompanyUNKNOWN, HILL LAW & TITLE PLLC

Transaction

AmountAmount Recorded
Tax$332.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1300 NW 71ST AVE, PLANTATION, FL 33313-5313

Transferred To (Grantee/Buyer)

NameVerified Name
Address12788 US HIGHWAY 90, LIVE OAK, FL 32060-8859
InvestorPossibly a Property Investor

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$47,520 (+47.69%) Land $47,520$47,520 (+47.69%) Land $47,520
2024$597.00 (+19.64%)
2023$499.00 (+4.61%)$32,175 (-) Land $32,175$32,175 (-) Land $32,175
2022$477.00$32,175$32,175 Land $32,175

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies14 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

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

Wildfire RiskModerate
above 52% of the US · lower than 76% 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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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