9810 85th Rd, Live Oak, FL 32060 Property Records

Suwannee County property record for 9810 85th Rd, Live Oak, FL 32060

Property Summary

Property Type	General Agricultural/Rural
Details	1 ba · 1,053 sqft · built 1989
Lot Size	69.5 acres (3,031,340 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jul 2022)
Tax Bill	$1,076 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`33-02S-14E-02482-000000`

Property Details

APN / Parcel Number

Primary APN	`33-02S-14E-02482-000000`
Alternative APN	`02482000000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,053 sqft Gross Area
1st Floor Area	1,053 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,031,340 sqft (69.5 acres)
Patio Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9810 85TH RD
City	LIVE OAK
State	FL
Zip	32060-7208
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	LEG 69.59 ACRES FOR POB COM AT THE NW COR OF SAID NE1/4 & THENCE RUN N 89 DEG 07'36 E ALONG THE N LINE OF SAID SECTION A DISTANCE OF 1518.39 FT THENCE RUN S 02 DEG 36'25 W A DISTANCE OF 457.20 FT THENCE RUN S 51 DEG 21'28 W A DISTANCE OF 265.04 FT TH
Legal Range	14E
Legal Township	02S
Legal Section	33
Jurisdiction	SUWANNEE FL
Township / Civil Division	LIVE OAK
Census Block Group	2
Census Block	2014
Census Tract	970100

Owner

9810 85th Rd, an agricultural property, is owned and occupied by two individuals who bought it in July 2022.

Source: Suwannee County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 17, 2026	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage DRUMMOND COMMUNITY BANK
May 2, 2022	Warranty Deed, Transfer SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC
Apr 22, 2022	Warranty Deed, Transfer SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC
Apr 22, 2022	Quit Claim Deed, Transfer SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC
Apr 1, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	May 2, 2022 · Amount on File
Deed Document Number	2022255530
Deed Book / Page	2375 / 76
Prior Transfer Date	Apr 20, 2022
Prior Transfer Doc	0000251671
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUWANNEE FL
Recording Date	Jun 17, 2026
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000006420
Book / Page	2708 / 325
Instrument Date	Jun 16, 2026
Instrument	20266420
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 SUGARCANE WAY, CLARKSVILLE, TN 37040-2896

Mortgage

Document Number	0000006420,
Date	Jun 17, 2026
Book Page	2708/325
Instrument	20266420

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Jul 22, 2022
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000255530
Book / Page	2375 / 76
Instrument Date	Jul 22, 2022
Instrument	2022255530
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24905 N STATE ROAD 121, 24905, ALACHUA, FL 32615-4021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9810 85TH RD, LIVE OAK, FL 32060-7208

Mortgage

Document Number	0000000078
Date	Jul 22, 2022
Instrument	2375/78

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2027

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	May 2, 2022
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000252073
Book / Page	2354 / 280
Instrument Date	May 2, 2022
Instrument	2022252073
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$644.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9810 85TH RD, 9810, LIVE OAK, FL 32060-7208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 SW SHILOH ST, FORT WHITE, FL 32038-2696

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Apr 22, 2022
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000251672
Book / Page	2351 / 499
Instrument Date	Apr 21, 2022
Instrument	2022251672
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$686.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9810 85TH RD, 9810, LIVE OAK, FL 32060-7208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 324, LIVE OAK, FL 32064-0324

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUWANNEE FL
Recording Date	Apr 22, 2022
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000251671
Book / Page	2351 / 497
Instrument Date	Apr 20, 2022
Instrument	2022251671
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	SUWANNEE VALLEY TITLE SERVICES INC, SUWANNEE VALLEY TTL SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1408 WHITE AVE SE, 1408, LIVE OAK, FL 32064-4141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9810 85TH RD, LIVE OAK, FL 32060-7208

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUWANNEE FL
Recording Date	Apr 1, 2021
Property Address	9810 85TH RD, LIVE OAK, FL 32060-7208
Document Number	0000236602
Book / Page	2255 / 414
Instrument Date	Mar 29, 2021
Instrument	2021236602
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,599.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 JACKSON ST, 91, BLAND, VA 24315-5371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9810 85TH RD, LIVE OAK, FL 32060-7208

Tax Assessment & Valuation

The 2025 property tax bill for 9810 85th Rd was $1,076 with a homeowner's exemption, up 6.3% 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	$1,076.00 (+6.32%) Homeowner's exemption	$92,473	$215,458 Land $141,380 Building $74,078
2024	$1,012.00 (+0.6%)
2023	$1,006.00 (-90.39%) Homeowner's exemption	$84,773 (-87.47%)	$207,758 (-69.29%)
2022	$10,469.00	$676,532	$676,532 Land $633,558 Building $42,974

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 9810 85th Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	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 9810 85th Rd 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 Risk	Moderate above 58% of the US · lower than 68% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rapid Fiber Internet Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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