4745 196th Pl, Wellborn, FL 32094 Property Records

Suwannee County property record for 4745 196th Pl, Wellborn, FL 32094

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,951 sqft · built 2005
Lot Size	18.9 acres (825,898 sqft)
Owner	Individual Name on Record
Last Sale	$55,001 (Jul 2014)
Tax Bill	$4,620 (2024)
Deeds & Mortgages	Sep 2023 Second Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-04S-15E-00913-014020`

Property Details

APN / Parcel Number

Primary APN	`32-04S-15E-00913-014020`
Alternative APN	`00913014020`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,951 sqft Living Area
1st Floor Area	2,951 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	825,898 sqft (18.9 acres)
Garage Area	704 sqft
Porch	Finished/Screened Porch
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	00913014020
Street Address	4745 196TH PL
City	WELLBORN
State	FL
Zip	32094-3469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG 20.16 ACRES LOTS 1 & 2 ROLLINGS OAKS SUB-DIV LESS RD R/W ORB 1817 P 137 WD YR 2015 ORB 1817 P 150 WD YR 2015
Legal Range	15E
Legal Township	04S
Legal Section	32
Legal Subdivision	ROLLINGS OAKS SUB-DIV
Legal Lot Number	1-2
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	3
Census Block	3061
Census Tract	970502

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4745 196TH PL, WELLBORN, FL 32094-3469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Aug 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Apr 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAMPUS USA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2014 · Amount on Record
Deed Sale	Jul 23, 2014 · Amount on Record
Prior Sale	Jul 23, 2014 · Amount on Record
Deed Document Number	2014162967
Deed Book / Page	01817 / 0150
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 196TH PL, WELLBORN, FL 32094-3469

Mortgage

Document Number	0000271001
Date	Sep 26, 2023
Book Page	2468/276
Instrument	2023271001

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 196TH PL, WELLBORN, FL 32094-3469

Mortgage

Document Number	0000244786
Date	Oct 27, 2021
Book Page	2308/241
Instrument	2021244786

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000196230
Date	Sep 19, 2017
Book Page	2006/0382
Instrument	2017196230

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205997
Date	Aug 8, 2018
Book Page	2066/0231
Instrument	2018205997

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213696
Date	Apr 5, 2019
Book Page	2110/0290
Instrument	2019213696

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	4745 196TH PL, WELLBORN, FL 32094-3469
Document Number	0000218931
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4745 196TH PL WELLBORN FL 320943469, WELLBORN, FL 32094-3469

Mortgage

Document Number	0000218931
Date	Sep 24, 2019
Book Page	002141/000411
Instrument	218931

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	JONESVILLE, FL 32669

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 23, 2034

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		$340,787 (+5.92%)	$565,566 (+11.12%)
2024	$4,620.00 (+2.42%)
2023	$4,511.00 (+2.5%) Homeowner's exemption	$321,734 (+2.97%)	$508,959 (+30.73%)
2022	$4,401.00 Homeowner's exemption	$312,465	$389,317

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 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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