4057 85th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 4057 85th Rd, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,080 sqft · built 1997
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Nov 1995)
Tax Bill	$2,385 (2024)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28-01S-14E-01864-002004`

Property Details

APN / Parcel Number

Primary APN	`28-01S-14E-01864-002004`
Alternative APN	`01864002004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2014
Exterior Material	Brick
Lot Area	217,800 sqft (5 acres)
Patio Area	1,032 sqft
Fence	Fence
Pole Barn	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	01864002004
Street Address	4057 85TH RD
City	LIVE OAK
State	FL
Zip	32060-8927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 5.00 ACRES N1/2 OF SE1/4 OF NE1/4 OF NW1/4 ORB 337 P 138 WD YR 89
Legal Range	14E
Legal Township	01S
Legal Section	28
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	1
Census Block	1017
Census Tract	970100

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 Record	2 Individual Names on Record
Mailing Address	4057 85TH RD, LIVE OAK, FL 32060-8927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 1995 · Amount on Record
Deed Sale	Nov 1, 1995 · Amount on Record
Deed Document Number	0000559376
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4057 85TH RD, LIVE OAK, FL 32060-8927
Transaction Type	Mortgage
Record Updated	Feb 12, 2024
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4057 85TH RD, LIVE OAK, FL 32060-8927

Mortgage

Document Number	0000246481
Date	Dec 10, 2021
Book Page	2318/219
Instrument	2021246481

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$159,426 (+5.99%)	$258,309 (+13.82%) Land $52,375 Building $205,934
2024	$2,385.00 (+2.27%)
2023	$2,332.00 (+3.09%) Homeowner's exemption	$150,420 (+3%)	$226,939 (+32.58%) Land $39,750 Building $187,189
2022	$2,262.00 Homeowner's exemption	$146,039	$171,171 Land $34,500 Building $136,671

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (1998–2012)
Most Recent Claim	Jun 2012 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Jun 2012 · 3 claims Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 2 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 Risk	Moderate above 56% of the US · lower than 72% 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)
Rapid Fiber Internet Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20