25296 97th Dr, O Brien, FL 32071 Property Records

Suwannee County property record for 25296 97th Dr, O Brien, FL 32071

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,280 sqft · built 2006
Lot Size	5.08 acres (221,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Nov 2017)
Tax Bill	$1,889 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`06-06S-14E-03831-000110`

Property Details

APN / Parcel Number

Primary APN	`06-06S-14E-03831-000110`
Alternative APN	`03831000110`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	221,284 sqft (5.08 acres)
Patio Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	25296 97TH DR
City	O BRIEN
State	FL
Zip	32071-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 11 OAK HILL FARMS ORB 2016 P 45 WD YR 2018 ORB 2406 P 291 QCD YR 2023
Legal Range	14E
Legal Township	06S
Legal Section	06
Legal Subdivision	OAK HILL FARMS
Legal Lot Number	11
Legal Unit	11
Jurisdiction	SUWANNEE FL
Township / Civil Division	BRANFORD
Census Block Group	2
Census Block	2002
Census Tract	970601

Owner

Source: Suwannee County records, as of July 13, 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	25296 97TH DR, O BRIEN, FL 32071-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 28, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 16, 2022	Intrafamily Transfer, Transfer
Nov 14, 2017	Warranty Deed, Transfer · FHA Mortgage TOP FLITE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Prior Sale	Nov 10, 2011 · Amount on Record
Deed Document Number	2017197763
Deed Book / Page	2016 / 45
Last Transfer Date	Nov 9, 2023
Transfer Doc	0000272719
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	25296 97TH DR, O BRIEN, FL 32071-3010
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25296 97TH DR, O BRIEN, FL 32071-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000272727
Date	Nov 9, 2023
Book Page	2478/173
Instrument	2023272727

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	472 Months
Due	Mar 1, 2063

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	25296 97TH DR, O BRIEN, FL 32071-3010
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25296 97TH DR, O BRIEN, FL 32071-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000264495
Date	Mar 28, 2023
Book Page	2429/174
Instrument	2023264495

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2063

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Dec 16, 2022
Property Address	25296 97TH DR, O BRIEN, FL 32071-3010
Document Number	0000260668
Book / Page	2406 / 291
Map Reference	MB 1 PG 248
Instrument Date	Dec 16, 2022
Instrument	2022260668
Transaction Type	Transfer
Record Updated	Jan 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25296 97TH DR, O BRIEN, FL 32071-3010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25296 97TH DR, O BRIEN, FL 32071-3010
Investor	Possibly a Property Investor

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Nov 14, 2017
Property Address	25296 97TH DR, O BRIEN, FL 32071-3010
Document Number	0000197763
Book / Page	2016 / 0045
Map Reference	MB1 PG248
Instrument Date	Nov 14, 2017
Instrument	2017197763
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25296 97TH DR, O BRIEN, FL 32071-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000197764
Date	Nov 14, 2017
Instrument	2017197764

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of December 26, 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	$1,889.00 (+3.17%) Homeowner's exemption	$245,855 (+81.22%) Land $26,416 Building $219,439	$245,855 (+13.57%) Land $26,416 Building $219,439
2024	$1,831.00 (+2.75%)
2023	$1,782.00 (+3.18%) Homeowner's exemption	$135,669 (+3%)	$216,487 (+37.5%) Land $26,416 Building $190,071
2022	$1,727.00 Homeowner's exemption	$131,717	$157,447 Land $19,304 Building $138,143

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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