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5420 River Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 5420 River Rd, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,515 sqft · built 2011
Lot Size5.08 acres (221,284 sqft)
Owner2 Individual Names on File
Last Sale$250,000 (Jan 2018)
Tax Bill$442 (2024)
Deeds & MortgagesNov 2021 Transfer
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN35-01S-11E-10961-010360

Property Details

APN / Parcel Number

Primary APN35-01S-11E-10961-010360
Alternative APN
  • 10961010360

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,515 sqft Living Area
1st Floor Area1,515 sqft
FlooringWood

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2021
Exterior MaterialLogs
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area221,284 sqft (5.08 acres)
Patio Area528 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address5420 RIVER RD
CityLIVE OAK
StateFL
Zip32060-8743
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 5.08 ACRES LOT 36 THE ANTLERS SUB ORB 2028 P 427-28 WD YR 2018 ORB 2309 P 410 QCD YR 2022
Legal Range11E
Legal Township01S
Legal Section35
Legal SubdivisionTHE ANTLERS
Legal Lot Number36
Legal Unit36
JurisdictionSUWANNEE FL
Township / Civil DivisionDOWLING PARK
Census Block Group1
Census Block1027
Census Tract970304

Owner

5420 River Rd is owned and occupied by two individuals who acquired it in November 2021.

Source: Suwannee County records, as of December 26, 2025

Owner of Record2 Individual Names on File
Mailing Address5420 RIVER RD, LIVE OAK, FL 32060-8743
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 2, 2021Intrafamily Transfer, Transfer
HERITAGE TITLE COMPANY, HERITAGE TTL SVCS OF NORTH F
Jan 29, 2018Warranty Deed, Transfer · Conventional with PMI
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 29, 2018 · Amount on File
Deed SaleJan 29, 2018 · Amount on File
Prior SaleDec 11, 2007 · Amount on File
Deed Document Number2018199858
Deed Book / Page2028 / 427
Last Transfer DateNov 2, 2021
Transfer Doc0000245015
Record UpdatedSep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSUWANNEE FL
Recording DateNov 2, 2021
Property Address5420 RIVER RD, LIVE OAK, FL 32060-8743
Document Number0000245015
Book / Page2309 / 410
Map ReferenceMB 1 PG 414
Instrument DateNov 2, 2021
Instrument2021245015
Transaction TypeTransfer
Record UpdatedDec 9, 2021
Title CompanyHERITAGE TITLE COMPANY, HERITAGE TTL SVCS OF NORTH F

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5420 RIVER RD, LIVE OAK, FL 32060-8743

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateJan 29, 2018
Property Address5420 RIVER RD, LIVE OAK, FL 32060-8743
Document Number0000199858
Book / Page002028 / 000427
Instrument DateJan 18, 2018
Instrument199858
Transaction TypeTransfer
Record UpdatedFeb 5, 2018
Title CompanyHERITAGE TITLE SERVICES/N FL INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address360 BAY MEADOWS DR NAPLES FL 341138300, NAPLES, FL 34113-8300

Mortgage

Document Number199859
DateJan 29, 2018
Book Page002028/000430
Instrument199859
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount on Record
Term180 Months
DueJan 28, 2033

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of December 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySuwannee County
Unified School DistrictSuwannee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$197,782 Land $30,480 Building $167,302$197,782 Land $30,480 Building $167,302
2024$442.00 (-51.75%)
2023$916.00 (+4.21%) Homeowner's exemption$82,126 (+3%)$166,319 (+28.71%) Land $17,780 Building $148,539
2022$879.00 Homeowner's exemption$79,734$129,217 Land $17,780 Building $111,437

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5420 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies14 in force

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 5420 River Rd is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 15 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
Windstream
DSL		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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