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232 Howard St W, Live Oak, FL 32064 Property Records

Suwannee County property record for 232 Howard St W, Live Oak, FL 32064

Property Summary

Property TypeMixed Use Store/Office
Details768 sqft · built 1931
Lot Size0.048 acres (2,125 sqft)
Owner2 Individual Names on Record
Last Sale$65,000 (Jan 2020)
Tax Bill$860 (2024)
Deeds & MortgagesJan 2020 Sale & Mortgage
Dec 2018 Sale
Flood ZoneZone X (minimal risk)
APN23-02S-13E-06356-020063

Property Details

APN / Parcel Number

Primary APN23-02S-13E-06356-020063
Alternative APN
  • 06356020063

Interior

Stories1 Story
Building Area768 sqft Total Area
1st Floor Area768 sqft

Exterior

Year BuiltBuilt 1931
Effective Year BuiltEffective 2017
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Lot Area2,125 sqft (0.048 acres)
Canopy120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemSpace Heater

Location & Zoning

Account Number06356020063
Street Address232 HOWARD ST W
CityLIVE OAK
StateFL
Zip32064-2304
Property CategoryCommercial
Property TypeCommercial > Retail > Mixed Use Store/Office
Legal DescriptionLEG THE W1/2 OF S1/2 OF LOT 6 BLK B TOWN OF LIVE OAK ORB 2090 P 371-72 WD YR 2019
Legal Range13E
Legal Township02S
Legal Section23
Legal SubdivisionTOWN OF LIVE OAK
Legal BlockB
Legal Lot Number6
Legal Unit6
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group2
Census Block2057
Census Tract970200

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 Record2 Individual Names on Record
Mailing Address230 HOWARD ST W, LIVE OAK, FL 32064-2304
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2020Warranty Deed, Transfer · Conventional Mortgage
HOWELL CHARLENE K TRUST (RT)
Dec 17, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 16, 2020 · Amount on Record
Deed SaleJan 16, 2020 · Amount on Record
Prior SaleDec 17, 2018 · Amount on Record
Deed Document Number2020222365
Deed Book / Page2163 / 0438
Record UpdatedJun 8, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateJan 16, 2020
Property Address232 HOWARD ST W, LIVE OAK, FL 32064-2304
Document Number0000222365
Book / Page002163 / 000438
Instrument DateJan 16, 2020
Instrument222365
Transaction TypeTransfer
Record UpdatedFeb 13, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$455.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address230 HOWARD ST W LIVE OAK FL 320642304, LIVE OAK, FL 32064-2304

Mortgage

Document Number222366
DateJan 16, 2020
Book Page002163/000440
Instrument222366
Lender
NameHOWELL CHARLENE K TRUST (RT)
AddressPO BOX 40, LIVE OAK, FL 32064-0040
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate6%

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateDec 17, 2018
Property Address232 HOWARD ST W, LIVE OAK, FL 32064-2304
Document Number0000210129
Book / Page002090 / 000371
Instrument DateDec 10, 2018
Instrument210129
Transaction TypeTransfer
Record UpdatedJan 14, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$315.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address230 HOWARD ST W LIVE OAK FL 320642304, LIVE OAK, FL 32064-2304

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$35,645 (+1.67%) Land $6,375 Building $29,270$35,645 (+1.67%) Land $6,375 Building $29,270
2024$860.00 (+1.06%)
2023$851.00 (-4.17%)$35,059 (-3.67%) Land $6,375 Building $28,684$35,059 (-3.67%) Land $6,375 Building $28,684
2022$888.00$36,395$36,395 Land $6,375 Building $30,020

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 26 policies
Nearby Flood Policies26 in force
Nearby Flood Claims11 (2012–2024)
Claims Outside the SFHA3 of 11
Most Recent ClaimAug 2024 · Hurricane Debby
Claims by Event
  • Hurricane Debby, Aug 2024 · 5 claims
  • Tropical Storm Debby, Jun 2012 · 5 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLIVE OAK WTP
serves 6,850 people · EPA ID FL2610203
Water SourceGroundwater influenced by surface water
Last State InspectionNov 2025
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL		2,000 / 2,000
Rapid Fiber Internet
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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