11320 122ND TRAIL, LIVE OAK, FL, 32060
Active34 days on marketListed Aug 17, 2026MLS #GC542807
About this home
11320 122ND TRAIL
This ranch-style home in Live Oak presents a solid foundation with genuine potential for buyers ready to invest in a renovation project. The property features three bedrooms and two bathrooms, offering a functional layout for a range of uses. With an inground pool and fenced backyard, this home has appeal that extends beyond the interior. The backyard is a standout feature, complete with a fenced yard and partial privacy fencing around the pool deck. The established landscaping and recreational amenities provide a strong foundation for buyers looking to enhance and personalize the property according to their vision. This is an opportunity to acquire a home with established features and room to make it your own. Schedule a showing today to explore the potential this property offers. This is a Fannie Mae HomePath property. First Time Buyers, complete the HomePath Ready Buyer homeownership course on Homepath. Attach certificate to offer up to 3% closing cost assistance. Check HomePath for more details. Restrictions apply.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,266
Sqft
2.2 ac
Lot size
2010
Year built
One
Levels
$111
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,218 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,218/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Live Oak actives
$111 vs $213
Days on market
34 vs 129 typical
Where $111/sqft sits among the 16 Live Oak actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Live Oak
Get to know Live Oak. See the full Live Oak guide →
LIVE OAK 32060 — neighborhood snapshot
Population
22,085
Median age
44.4
Median income
$56,702
Median home value
$158,200
Avg household
2.71
Households w/ children
2,337
The numbers that matter
The Live Oak market
$255K → $280K
Live Oak median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
8 of 16
Live Oak actives have cut their price
Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the LIVE OAK 32060 median. See the full Live Oak market guide →
Paper trail
This home's history
Reality check
What actually sold near 11320 122ND TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$195,000
14040 SE HIGHWAY 42 · same community
2 bd · 2 ba · 1,008 sqft · $193/sqft · 109 DOM
Sold · Jun ’26$230,000
8378 GROVE ROAD · same community
2 bd · 2 ba · 924 sqft · $249/sqft · 2 DOM
Sold · Oct ’25$430,000
9994 SW 2ND AVENUE · same community
3 bd · 3 ba · 1,747 sqft · $246/sqft · 13 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 11320 122ND TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11320 122ND TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11320 122ND TRAIL FAQs
What would the monthly payment be for 11320 122ND TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,218/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 11320 122ND TRAIL?+
The most recent tax bill on record (2025) was $2,068. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Live Oak?+
At $140,000, this home is listed about 55% below the Live Oak median of $309,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the LIVE OAK 32060 market on paper
$140,000 is 38% below the LIVE OAK 32060 median of $224,500, and at $111/sqft it sits under the Live Oak average of $198.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $145,000, now $140,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER M.M. PARRISH REALTORS · Mike LeRoy. MLS #GC542807.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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