3722 286th Ter, Branford, FL 32008 Property Records

Suwannee County property record for 3722 286th Ter, Branford, FL 32008

Property Summary

Property Type	Mobile Home
Details	1 ba · 932 sqft · built 2022
Lot Size	0.943 acres (41,057 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Jul 2026)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`28-06S-15E-01721-710020`

Property Details

APN / Parcel Number

Primary APN	`28-06S-15E-01721-710020`
Alternative APN	`01721710020`

Interior

Building Area	932 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2024
Architectural Style	Mobile Home
Lot Area	41,057 sqft (0.943 acres)
Lot Width	1 ft Width

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3722 286TH TER
City	BRANFORD
State	FL
Zip	32008-2242
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LEG LOT 2 BLK 71 3 RIVERS EST UNIT 3 ORB 2505 P 349-50 WD YR 2024
Legal Range	15E
Legal Township	06S
Legal Section	28
Legal Subdivision	RIVERS EST
Legal Block	71
Legal Lot Number	2
Legal Unit	3
Jurisdiction	SUWANNEE FL
Township / Civil Division	BRANFORD
Census Block Group	3
Census Block	3019
Census Tract	970602

Owner

3722 286th Ter, a mobile home, is owned and occupied by two individuals who bought it in July 2026.

Source: Suwannee County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3722 286TH TER, BRANFORD, FL 32008-2242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 1, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Mar 21, 2024	Warranty Deed, Transfer DIXIE TITLE SERVICES LLC
Feb 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PFS SOLUTIONS INC
Jan 27, 2021	Warranty Deed, Transfer LAKE CITY TITLE INC, LAKE CITY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Mar 21, 2024 · Amount on File
Deed Document Number	20267090
Deed Book / Page	2712 / 317
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jul 1, 2026
Property Address	3722 286TH TER, BRANFORD, FL 32008-2242
Document Number	0000007090
Book / Page	2712 / 317
Instrument Date	Jun 29, 2026
Instrument	20267090
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	LAW AND TITLE, HILL LAW & TITLE PLLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116,655.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007091,
Date	Jul 1, 2026
Instrument	20267091

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Mar 21, 2024
Property Address	3722 286TH TER, BRANFORD, FL 32008-2242
Document Number	0000277326
Book / Page	2505 / 349
Map Reference	MB 1 PGS 194
Instrument Date	Mar 14, 2024
Instrument	2024277326
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	DIXIE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$178.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6240 S WINDFOREST PT, FLORAL CITY, FL 34436-2056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4719 RIVER RUN RD, BRANFORD, FL 32008-2296

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Feb 1, 2021
Property Address	3722 286TH TER, BRANFORD, FL 32008-2242
Document Number	0000234304
Book / Page	2240 / 427
Map Reference	MB 1 PG 194
Instrument Date	Jan 29, 2021
Instrument	2021234304
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	LAKE CITY TITLE INC, LAKE CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3001, LAKE CITY, FL 32056-3001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6240 S WINDFOREST PT, FLORAL CITY, FL 34436-2056

Mortgage

Document Number	0000000429
Date	Feb 1, 2021
Instrument	2240/429

Lender

Name	PFS SOLUTIONS INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	30 Months
Due	Aug 1, 2023

Interest

Rate	10%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jan 27, 2021
Property Address	3722 286TH TER, BRANFORD, FL 32008-2242
Document Number	0000234126
Book / Page	2239 / 397
Map Reference	MB 1 PG 194-195
Instrument Date	Jan 20, 2021
Instrument	2021234126
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	LAKE CITY TITLE INC, LAKE CITY TITLE

Transaction

Amount	Amount on Record
Tax	$56.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5653 OVERLAND DR, THE COLONY, TX 75056-3763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3001, LAKE CITY, FL 32056-3001
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3722 286th Ter was $1,845, up 629.2% from the year before.

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	$1,845.00 (+629.25%)	$99,656 Land $17,000 Building $82,656	$99,656 Land $17,000 Building $82,656
2024	$253.00 (-0.78%)
2023	$255.00 (-0.78%)	$15,700 (-) Land $15,700	$15,700 (-) Land $15,700
2022	$257.00	$15,700	$15,700 Land $15,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3722 286th Ter in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	2 (2004–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 3722 286th Ter is moderate, ranking above 52% 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 52% of the US · lower than 77% 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 18 locations within half a mile, as of December 31, 2025

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

May also be available: Fiber by Central Florida.

Cell Coverage

5G and 4G LTE (outdoors only)

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