Suwannee County property record for 8881 97th Rd, Live Oak, FL 32060
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,532 sqft · built 1990 |
| Lot Size | 4.75 acres (206,910 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Aug 2025) |
| Tax Bill | $355 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-02S-14E-02407-000050 |
| Primary APN | 30-02S-14E-02407-000050 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,532 sqft Living Area |
| 1st Floor Area | 1,518 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 206,910 sqft (4.75 acres) |
| Garage Area | 384 sqft |
| Patio Area | 604 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8881 97TH RD |
|---|---|
| City | LIVE OAK |
| State | FL |
| Zip | 32060-7340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEG LOT 5 TOWNSEND RIDGE SUBD ORB 242 P 547 WD ORB 253 P 358 WD ORB 1796 P 70-71 WD YR 2014 REMAINDER PERSON: GORDON L BUSH & JOAN L BUSH TRUSTEES OF THE BUSH FAMILY REVOCABLE TRUST UNDER AGREEMENT DATED MARCH 12, 2014 |
| Legal Range | 14E |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | TOWNSEND RIDGE SUB |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | SUWANNEE FL |
| Township / Civil Division | LIVE OAK |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 970100 |
8881 97th Rd is owned and occupied by two individuals who bought it in August 2025.
Source: Suwannee County records, as of May 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 6, 2025 | Intrafamily Transfer, Transfer · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2025 · Amount on File |
| Deed Sale | Aug 6, 2025 · Amount on File |
| Deed Document Number | 2025295959 |
| Deed Book / Page | 2624 / 491 |
| Prior Transfer Date | Jul 22, 2025 |
| Prior Transfer Doc | 0061295959 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Document Number | 0000004182 |
| Book / Page | 2691 / 315 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20264182 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Document Number | 0000004182, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 2691/315 |
| Instrument | 20264182 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUWANNEE FL |
| Recording Date | Aug 6, 2025 |
| Property Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Document Number | 0061295959 |
| Book / Page | 2624 / 491 |
| Map Reference | MB 1 PG 315 |
| Instrument Date | Aug 6, 2025 |
| Instrument | 202561295959 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | UNKNOWN, UNLS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Name | Verified Name |
|---|---|
| Address | 8881 97TH RD, LIVE OAK, FL 32060-7340 |
| Document Number | 0000000001 |
|---|---|
| Date | Aug 6, 2025 |
| Instrument | 2625/1 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2055 |
Source: Suwannee County assessment roll, as of December 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Suwannee County |
| Unified School District | Suwannee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $140,487 (+46.38%) Land $35,625 Building $104,862 | $140,487 (+5.33%) Land $35,625 Building $104,862 | |
| 2024 | $355.00 | $95,977 (+2.99%) | $133,383 (+13.67%) Land $35,625 Building $97,758 |
| 2023 | $355.00 (+2.9%) | $93,189 (+2.99%) | $117,338 (+29.68%) Land $19,000 Building $98,338 |
| 2022 | $345.00 | $90,482 | $90,482 Land $19,000 Building $71,482 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8881 97th Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1998.
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 | 9 in force |
| Nearby Flood Claims | 7 (1998–2024) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| Claims by Event |
|
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 risk around 8881 97th Rd is moderate, ranking above 65% 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 65% of the US · above 42% 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rapid Fiber Internet Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL | 100 / 20 |
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