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620 Howard St W, Live Oak, FL 32064 Property Records

Suwannee County property record for 620 Howard St W, Live Oak, FL 32064

Property Summary

Property TypeCommercial Office
Details813 sqft · built 2005
Lot Size1 acres (43,939 sqft)
OwnerCompany Name on File
Last Sale$245,000 (Sep 2005)
Tax Bill$3,342 (2025)
Deeds & MortgagesSep 2026 Sale
Jul 2018 Mortgage
Flood ZoneZone AE (high risk)
APN23-02S-13E-06584-270000

Property Details

APN / Parcel Number

Primary APN23-02S-13E-06584-270000
Alternative APN
  • 06584270000

Interior

Stories1 Story
Building Area813 sqft Gross Area
1st Floor Area813 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2012
Exterior MaterialWood
Construction TypeFrame
Fire ResistanceWood or Wood & Steel Frame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area43,939 sqft (1 acres)
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemSpace Heater

Location & Zoning

Street Address620 HOWARD ST W
CityLIVE OAK
StateFL
Zip32064-2211
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Legal DescriptionLEG BLK 27 CITY OF LIVE OAK LYING N OF HWY #90 LESS E 100 FT THEREOF ORB 1230 P 295-96 WD YR 06
Legal Range13E
Legal Township02S
Legal Section23
Legal SubdivisionLIVE OAK
Legal Block27
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group2
Census Block2046
Census Tract970200

Owner

620 Howard St W, a commercial property, is owned by a company that bought it in September 2005.

Source: Suwannee County records, as of September 22, 2026

Owner of RecordCompany Name on File
Mailing Address620 HOWARD ST W, LIVE OAK, FL 32064-2211
Owner TypeCompany
VestingCompany

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
Sep 4, 2026Affidavit, Transfer
Jul 3, 2018Deed of Trust, Mortgage
AMERIS BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 9, 2005 · Amount on File
Deed SaleSep 9, 2005 · Amount on File
Deed Document Number2005509156119
Deed Book / Page1230 / 295
Record UpdatedOct 29, 2026

September 2026: Affidavit, Transfer

Document TypeAffidavit
JurisdictionSUWANNEE FL
Recording DateSep 4, 2026
Property Address620 HOWARD ST W, LIVE OAK, FL 32064-2211
Document Number0000009481
Book / Page2729 / 421
Instrument DateSep 4, 2026
Instrument20269481
Transaction TypeTransfer
Record UpdatedSep 22, 2026

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property Address620 HOWARD ST W, LIVE OAK, FL 32064-2211
Document Number0000204923
Instrument DateJul 3, 2018
Transaction TypeMortgage
Record UpdatedAug 16, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address620 HOWARD ST W LIVE OAK FL 320642211, LIVE OAK, FL 32064-2211

Mortgage

Document Number0000204923
DateJul 3, 2018
Book Page002059/000225
Instrument204923
Lender
NameAMERIS BK
TypeBank
AddressJACKSONVILLE, FL 32221
Agreement
AmountAmount on Record
Term240 Months
DueJul 2, 2038
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 620 Howard St W was $3,342, down 0.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,342.00 (-0.83%)$140,775 Land $112,044 Building $28,731$140,775 Land $112,044 Building $28,731
2024$3,370.00 (-0.33%)
2023$3,381.00 (-0.53%)$139,210 (-) Land $112,044 Building $27,166$139,210 (-) Land $112,044 Building $27,166
2022$3,399.00$139,210$139,210 Land $112,044 Building $27,166

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 620 Howard St W 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation100.8 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 26 policies
Nearby Flood Policies26 in force
Nearby Flood Claims11 (2012–2024)
Claims Outside the SFHA3 of 11
Most Recent ClaimAug 2024 · Hurricane Debby
Claims by Event
  • Hurricane Debby, Aug 2024 · 5 claims
  • Tropical Storm Debby, Jun 2012 · 5 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

Wildfire risk around 620 Howard St W is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLIVE OAK WTP
serves 6,850 people · EPA ID FL2610203
Water SourceGroundwater influenced by surface water
Last State InspectionNov 2025
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Windstream
Fiber · DSL in parts of the area		2,000 / 2,000
Xfinity
Cable		2,000 / 250

May also be available: Verizon.

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