3130 196th Ter, Wellborn, FL 32094 Property Records

Suwannee County property record for 3130 196th Ter, Wellborn, FL 32094

Property Summary

Property Type	Mobile Home
Details	1 ba · 1,748 sqft · built 1989
Lot Size	4.21 acres (183,388 sqft)
Owner	2 Individual Names on File
Last Sale	$20,300 (Jun 2019)
Tax Bill	$355 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-04S-15E-00924-000340`

Property Details

APN / Parcel Number

Primary APN	`34-04S-15E-00924-000340`
Alternative APN	`00924000340`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,748 sqft Living Area
1st Floor Area	1,748 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	183,388 sqft (4.21 acres)
Porch	Finished/Screened Porch
Patio Area	522 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00924000340
Street Address	3130 196TH TER
City	WELLBORN
State	FL
Zip	32094-3442
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEG LOT 34 FLORIDA HILLS ORB 1229 P 376 WD YR 06 ORB 1886 P 13 QCD YR 2016 (JTWROS) ORB 1947 P 169 QCD YR 2017 NOTES
Legal Range	15E
Legal Township	04S
Legal Section	34
Legal Subdivision	FLORIDA HILLS
Legal Lot Number	34
Legal Unit	34
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	3
Census Block	3045
Census Tract	970502

Owner

3130 196th Ter, a mobile home, is owned and occupied by two individuals who bought it in June 2019.

Source: Suwannee County records, as of February 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3130 196TH TER, WELLBORN, FL 32094-3442
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Oct 3, 2016
Deed Document Number	2019215499
Deed Book / Page	01229 / 0376
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	3130 196TH TER, WELLBORN, FL 32094-3442
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000244825
Date	Oct 27, 2021
Book Page	2308/358
Instrument	2021244825

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	3130 196TH TER, WELLBORN, FL 32094-3442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000219292
Date	Oct 7, 2019
Book Page	2144/0272
Instrument	2019219292

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

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		$86,939	$140,296 Land $36,627 Building $103,669
2024	$355.00
2023	$355.00 (+2.9%)	$82,121 (+2.88%)	$94,170 (+4.86%) Land $25,260 Building $68,910
2022	$345.00	$79,822	$89,802 Land $23,997 Building $65,805

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

Flood

FEMA maps place 3130 196th Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

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	4 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 4 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

Wildfire risk around 3130 196th Ter is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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