21628 89th Rd, O Brien, FL 32071 Property Records

Suwannee County property record for 21628 89th Rd, O Brien, FL 32071

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,903 sqft · built 2020
Lot Size	11 acres (479,160 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,399 (2024)
Deeds & Mortgages	May 2020 Loan Modification Jul 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`16-05S-14E-03520-002001`

Property Details

APN / Parcel Number

Primary APN	`16-05S-14E-03520-002001`
Alternative APN	`03520002001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,903 sqft Living Area
1st Floor Area	1,546 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2022
Exterior Material	Metal
Roof Material	Metal
Lot Area	479,160 sqft (11 acres)
Garage Area	621 sqft
Porch	Finished/Screened Porch
Patio Area	318 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03520002001
Street Address	21628 89TH RD
City	O BRIEN
State	FL
Zip	32071-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 00011.00 ACRES W 263 FT OF N 165 FT OF S 330 FT OF NW1/4 OF NW1/4 OF NW1/4 & THE N 330 FT OF NW1/4 OF NW1/4 OBB 260 P 009
Legal Range	14E
Legal Township	05S
Legal Section	16
Jurisdiction	SUWANNEE FL
Township / Civil Division	BRANFORD
Census Block Group	1
Census Block	1013
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	2 Individual Names on Record
Mailing Address	21628 89TH RD, O BRIEN, FL 32071-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Loan Modification, Mortgage CAMPUS USA CU
Jul 10, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CAMPUS USA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2008
Deed Sale	Jul 22, 2008
Deed Document Number	2008099460
Record Updated	Jun 8, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUWANNEE FL
Property Address	21628 89TH RD, O BRIEN, FL 32071-3202
Document Number	0000228459
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000228459
Date	Aug 4, 2020
Book Page	002202/000336
Instrument	228459

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	JONESVILLE, FL 32669

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2035

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jul 10, 2019
Property Address	21628 89TH RD, O BRIEN, FL 32071-3202
Book / Page	002128 / 000211
Instrument Date	Jul 3, 2019
Instrument	216615
Transaction Type	Construction Loan
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21628 89TH RD O BRIEN FL 320713202, O BRIEN, FL 32071-3202

Mortgage

Document Number	0000216615
Date	Jul 10, 2019
Book Page	002128/000211
Instrument	216615

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	JONESVILLE, FL 32669

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2034

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		$233,981 (+5.99%)	$377,956 (+13.2%) Land $69,300 Building $308,656
2024	$3,399.00 (+2.32%)
2023	$3,322.00 (+2.85%) Homeowner's exemption	$220,764 (+3%)	$333,878 (+31.72%) Land $62,700 Building $271,178
2022	$3,230.00 Homeowner's exemption	$214,334	$253,473 Land $55,000 Building $198,473

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

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Windstream DSL	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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