Suwannee County property record for 328 Howard St W, Live Oak, FL 32064
| Property Type | Medical Building |
|---|---|
| Details | 1,680 sqft · built 1967 |
| Lot Size | 0.421 acres (18,355 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $175,000 (Aug 2013) |
| Tax Bill | $3,388 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-02S-13E-06357-030011 |
| Primary APN | 23-02S-13E-06357-030011 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,680 sqft Total Area |
| 1st Floor Area | 1,680 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 18,355 sqft (0.421 acres) |
| Porch | Porch |
| Cooling System | Central |
|---|---|
| Heating System | Space Heater |
| Account Number | 06357030011 |
|---|---|
| Street Address | 328 HOWARD ST W |
| City | LIVE OAK |
| State | FL |
| Zip | 32064-2306 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Legal Description | LEG E 99 FT OF W 154 FT OF BLK C ALSO KNOWN AS LOT 3 LIVE OAK ORB 1761 P 187-88 WD YR 2014 |
| Legal Range | 13E |
| Legal Township | 02S |
| Legal Section | 23 |
| Legal Subdivision | TOWN/LIVE OAK |
| Legal Block | C |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | LIVE OAK |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 970200 |
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 Owner Names on Record |
|---|---|
| Mailing Address | 328 HOWARD ST W, LIVE OAK, FL 32064-2306 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2013 · Amount on Record |
| Deed Sale | Aug 1, 2013 · Amount on Record |
| Deed Document Number | 0001761187 |
| Deed Book / Page | 1761 / 187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Property Address | 328 HOWARD ST W, LIVE OAK, FL 32064-2306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000193409 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 01990/0288 |
| Instrument | 2017193409 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, FL 32607 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 66 Months |
| Due | Dec 5, 2022 |
Source: Suwannee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Suwannee County |
| Municipality | Live Oak City |
| Unified School District | Suwannee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $151,550 (+18.01%) Land $55,065 Building $96,485 | $151,550 (+18.01%) Land $55,065 Building $96,485 | |
| 2024 | $3,388.00 (+8.62%) | ||
| 2023 | $3,119.00 (-0.42%) | $128,424 (+0.14%) Land $45,738 Building $82,686 | $128,424 (+0.14%) Land $45,738 Building $82,686 |
| 2022 | $3,132.00 | $128,242 | $128,242 Land $45,738 Building $82,504 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 26 policies |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 11 (2012–2024) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LIVE OAK WTP serves 6,850 people · EPA ID FL2610203 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | 5 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max 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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