22945 98th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 22945 98th Ter, Live Oak, FL 32060

Property Summary

Property Type	Mobile Home
Details	1 ba · 1,952 sqft · built 1984
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jan 2022)
Tax Bill	$2,016 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`33-02S-11E-11149-003003`

Property Details

APN / Parcel Number

Primary APN	`33-02S-11E-11149-003003`
Alternative APN	`11149003003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,952 sqft Living Area
1st Floor Area	1,952 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)
Porch	Finished/Screened Porch
Patio Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11149003003
Street Address	22945 98TH TER
City	LIVE OAK
State	FL
Zip	32060-5815
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEG 4.00 ACRES LOT 3 DOWLING PARK NORTH ORB 2328 P 189 WD YR 2022
Legal Range	11E
Legal Township	02S
Legal Section	33
Legal Subdivision	DOWLING PARK NORTH
Legal Lot Number	3
Legal Unit	3
Jurisdiction	SUWANNEE FL
Township / Civil Division	DOWLING PARK
Census Block Group	1
Census Block	1042
Census Tract	970304

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
Co-owner	Co-owner on Record
Mailing Address	22945 98TH TER, LIVE OAK, FL 32060-5815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	2022247939
Deed Book / Page	2328 / 189
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jan 18, 2022
Property Address	22945 98TH TER, LIVE OAK, FL 32060-5815
Document Number	0000247939
Book / Page	2328 / 189
Map Reference	MB 1 PG 304
Instrument Date	Jan 14, 2022
Instrument	2022247939
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SMITH ABSTRACT AND TITLE COMPANY, SMITH ABSTRACT & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22945 98TH TER, 22945, LIVE OAK, FL 32060-5815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2741 N PINE ISLAND RD # 31, 31, SUNRISE, FL 33322-2281

Mortgage

Document Number	0000000190
Date	Jan 18, 2022
Instrument	2328/190

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$158,414 (+10.29%)	$249,410 (+25.27%) Land $31,320 Building $218,090
2024	$2,016.00 (+7.41%)
2023	$1,877.00 (-33.75%) Homeowner's exemption	$143,640 (-13.86%)	$199,100 (+19.4%) Land $27,000 Building $172,100
2022	$2,833.00	$166,754	$166,754 Land $23,600 Building $143,154

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 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 Risk	Moderate above 52% of the US · lower than 76% 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 15 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

4G LTE (outdoors only), no 5G reported

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