7161 Railroad St, Live Oak, FL 32060 Property Records

Suwannee County property record for 7161 Railroad St, Live Oak, FL 32060

Property Summary

Property Type	General Agricultural/Rural
Details	2 ba · 2,566 sqft · built 2004
Lot Size	27 acres (1,176,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jul 2024)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Jun 2026 Sale Jan 2018 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`02-03S-14E-02528-000000`

Property Details

APN / Parcel Number

Primary APN	`02-03S-14E-02528-000000`
Alternative APN	`02528000000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,566 sqft Gross Area
1st Floor Area	2,566 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,176,120 sqft (27 acres)
Patio Area	816 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7161 RAILROAD ST
City	LIVE OAK
State	FL
Zip	32060-7278
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	LEG 27.00 ACRES SW1/4 OF SW1/4 LYING NE OF SCL R/R & ALL NW1/4 OF SE1/4 LYING E OF SCL RR & 2 ACRES IN SW COR OF NE1/4 OF SW1/4 DESC AS FOLLOWS: COM AT THE SW COR OF THE NE1/4 OF SW1/4 FOR POB & RUN N 420 FT THENCE E 210 FT THENCE S 420 FT THENCE W 2
Legal Range	14E
Legal Township	03S
Legal Section	02
Jurisdiction	SUWANNEE FL
Township / Civil Division	MCALPIN-WELLBORN
Census Block Group	1
Census Block	1037
Census Tract	970502

Owner

Source: Suwannee County records, as of July 8, 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	7161 RAILROAD ST, LIVE OAK, FL 32060-7278
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 4, 2018	Deed of Trust, Mortgage · ARM REVERSE MORTGAGE FUNDING LLC
Dec 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on Record
Deed Sale	Jul 8, 2024 · Amount on Record
Deed Document Number	2024281039
Deed Book / Page	2529 / 202
Prior Transfer Date	Apr 16, 2019
Prior Transfer Doc	0000213976
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jun 30, 2026
Property Address	7161 RAILROAD ST, LIVE OAK, FL 32060-7278
Document Number	0000007053
Book / Page	2712 / 144
Instrument Date	Jun 30, 2026
Instrument	20267053
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	7161 RAILROAD ST, LIVE OAK, FL 32060-7278

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	7161 RAILROAD ST, LIVE OAK, FL 32060-7278
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199081
Date	Jan 4, 2018
Book Page	2024/0229
Instrument	2017199081

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73113

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.79%
Type Change Date	Jan 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Property Address	7161 RAILROAD ST, LIVE OAK, FL 32060-7278
Document Number	0000199082
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7161 RAILROAD ST LIVE OAK FL 320607278, LIVE OAK, FL 32060-7278

Mortgage

Document Number	0000199082
Date	Jan 4, 2018
Book Page	002024/000245
Instrument	199082

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	840 Months
Due	Jan 3, 2088

Interest

Rate Type	Adjustable Rate
Rate	4.79%

Tax Assessment & Valuation

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	$2,774.00 (-41.53%)	$204,853 (+36.38%)	$251,065 (+2.42%) Land $56,200 Building $194,865
2024	$4,744.00 (+137.56%)
2023	$1,997.00 (+3.04%) Homeowner's exemption	$150,209 (+3%)	$245,132 (+32.97%) Land $148,500 Building $96,632
2022	$1,938.00 Homeowner's exemption	$145,834	$184,352 Land $93,150 Building $91,202

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Hurricane Debby

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 64% of the US · above 40% 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 34 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	200 / 20

Cell Coverage

4G LTE only, no 5G reported

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