7140 112th Ter, Live Oak, FL 32060 Property Records

Suwannee County property record for 7140 112th Ter, Live Oak, FL 32060

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,648 sqft · built 1992
Lot Size	4.67 acres (203,425 sqft)
Owner	Individual Name on File
Last Sale	$267,800 (Aug 2026)
Tax Bill	$1,494 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2023 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-03S-14E-02712-000240`

Property Details

APN / Parcel Number

Primary APN	`11-03S-14E-02712-000240`
Alternative APN	`02712000240`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	203,425 sqft (4.67 acres)
Patio Area	748 sqft
Greenhouse	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7140 112TH TER
City	LIVE OAK
State	FL
Zip	32060-7142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEG LOT 24 PEACOCK LAKE ADD ORB 2576 P 488-90 WD YR 2025 (JTWROS)
Legal Range	14E
Legal Township	03S
Legal Section	11
Legal Subdivision	PEACOCK LAKE ADD
Legal Lot Number	24
Legal Unit	24
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	2
Census Block	2004
Census Tract	970502

Owner

7140 112th Ter is owned and occupied by an individual who bought it in August 2026.

Source: Suwannee County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Oct 6, 2023	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC
Jul 21, 2022	Intrafamily Transfer, Transfer
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 1, 2017	Warranty Deed, Transfer NORTH CTRL FL TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Feb 4, 2025 · Amount on File
Deed Document Number	20268267
Deed Book / Page	2721 / 391
Prior Transfer Date	Jul 31, 2026
Prior Transfer Doc	0000008267
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Aug 3, 2026
Property Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Document Number	0000008267
Book / Page	2721 / 391
Instrument Date	Jul 31, 2026
Instrument	20268267
Transaction Type	Transfer
Record Updated	Aug 17, 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	$189,334.60
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008268,
Date	Aug 3, 2026
Instrument	20268268

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7140 112TH TER, LIVE OAK, FL 32060-7142

Mortgage

Document Number	0000271454
Date	Oct 6, 2023
Book Page	2470/439
Instrument	2023271454

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	830 Months
Due	Dec 9, 2092

Interest

Rate Type	Adjustable Rate
Rate	7.92%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.9%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUWANNEE FL
Recording Date	Jul 21, 2022
Property Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Document Number	0000255447
Book / Page	2374 / 393
Map Reference	MB 1 PG 206
Instrument Date	Jul 21, 2022
Instrument	2022255447
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7140 112TH TER, 7140, LIVE OAK, FL 32060-7142

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7140 112TH TER, LIVE OAK, FL 32060-7142

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224874
Date	Mar 27, 2020
Book Page	2178/173
Instrument	2020224874

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Mar 1, 2017
Property Address	7140 112TH TER, LIVE OAK, FL 32060-7142
Document Number	0000190389
Book / Page	001972 / 000303
Instrument Date	Feb 27, 2017
Instrument	190389
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	NORTH CTRL FL TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,203.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 SHOCKLEY RD SPENCER TN 385854918, SPENCER, TN 38585-4918

Tax Assessment & Valuation

The 2025 property tax bill for 7140 112th Ter was $1,494, up 5.4% 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	$1,494.00 (+5.43%)	$160,014 Land $14,477 Building $145,537	$160,014 Land $14,477 Building $145,537
2024	$1,417.00 (+3.13%)
2023	$1,374.00 (-1.29%) Homeowner's exemption	$114,692 (+3%)	$150,551 (+19.08%) Land $14,010 Building $136,541
2022	$1,392.00 Homeowner's exemption	$111,351	$126,431 Land $14,010 Building $112,421

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 7140 112th Ter in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2017.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (2017–2024)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 6 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 7140 112th Ter is moderate, ranking above 64% 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 64% of the US · lower than 60% 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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