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9786 86th St, Live Oak, FL 32060 Property Records

Suwannee County property record for 9786 86th St, Live Oak, FL 32060

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,446 sqft · built 1973
Lot Size14.8 acres (647,737 sqft)
Owner2 Individual Names on File
Last Sale$219,000 (Jan 2018)
Tax Bill$2,306 (2024)
Deeds & MortgagesJan 2018 Mortgage
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN19-02S-14E-02225-000000

Property Details

APN / Parcel Number

Primary APN19-02S-14E-02225-000000
Alternative APN
  • 02225000000

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,446 sqft Living Area
1st Floor Area2,446 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2006
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area647,737 sqft (14.8 acres)
Garage Area980 sqft
Patio Area432 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number02225000000
Street Address9786 86TH ST
CityLIVE OAK
StateFL
Zip32060-7321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEG 14.87 ACRES FOR POB COMM AT SE COR OF SW1/4 OF SE1/4 S 88 DEG 35'27 W 35 FT N 00 DEG 22'57 W 1317.37 FT TO N LINE OF
Legal Range14E
Legal Township02S
Legal Section19
JurisdictionSUWANNEE FL
Township / Civil DivisionLIVE OAK
Census Block Group2
Census Block2010
Census Tract970100

Owner

9786 86th St is owned and occupied by two individuals who bought it in January 2018.

Source: Suwannee County records, as of February 2, 2026

Owner of Record2 Individual Names on File
Mailing Address9786 86TH ST, LIVE OAK, FL 32060-7321
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
Jan 19, 2018Deed of Trust, Mortgage
FIRST FSB/FL
Jan 22, 2018Warranty Deed, Transfer · Conventional Mortgage
FIRST FSB/FL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 22, 2018 · Amount on File
Deed SaleJan 22, 2018 · Amount on File
Deed Document Number2018199657
Deed Book / Page2027 / 0107
Record UpdatedJun 8, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUWANNEE FL
Property Address9786 86TH ST, LIVE OAK, FL 32060-7321
Document Number0000199841
Instrument DateJan 19, 2018
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10383 24TH ST LIVE OAK FL 320608507, LIVE OAK, FL 32060-8507

Mortgage

Document Number0000199841
DateJan 26, 2018
Book Page002028/000337
Instrument199841
Lender
NameFIRST FSB/FL
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
AmountAmount on Record
Term360 Months
DueJan 25, 2048

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUWANNEE FL
Recording DateJan 22, 2018
Property Address9786 86TH ST, LIVE OAK, FL 32060-7321
Document Number0000199657
Book / Page002027 / 000107
Instrument DateJan 19, 2018
Instrument199657
Transaction TypeTransfer
Record UpdatedFeb 20, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,533.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10383 24TH ST LIVE OAK FL 320608507, LIVE OAK, FL 32060-8507

Mortgage

Document Number199658
DateJan 22, 2018
Book Page002027/000109
Instrument199658
Lender
NameFIRST FSB/FL
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 21, 2048

Tax Assessment & Valuation

Source: Suwannee County assessment roll, as of July 1, 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$178,601$288,703
2024$2,306.00 (+2.53%)
2023$2,249.00 (-25.28%) Homeowner's exemption$168,834 (-6.08%)$262,620 (+30.12%)
2022$3,010.00$179,769 Land $9,886 Building $169,883$201,823

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

Flood

FEMA maps place 9786 86th St 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims7 (1998–2024)
Claims Outside the SFHA1 of 7
Most Recent ClaimAug 2024 · Hurricane Debby
Claims by Event
  • Hurricane Debby, Aug 2024 · 2 claims
  • Tropical Storm Debby, Jun 2012 · 3 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 9786 86th St is moderate, ranking above 58% 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 RiskModerate
above 58% of the US · lower than 69% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 14 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Rapid Fiber Internet
Fiber		2,000 / 2,000
Windstream
DSL		100 / 20

May also be available: T-Mobile, Verizon, Xfinity.

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