CENTURY 21 Edge

00 99TH LANE, LIVE OAK, FL, 32060

Active1 days on marketListed Aug 17, 2026MLS #OM730527

Priced 8% below the LIVE OAK 32060 medianHICKORY ESTATE

About this home

00 99TH LANE

Located in Suwannee County, Florida, this 20.78-acre property offers a combination of plantation style pines, a cleared potential homesite, county road access, and established wildlife habitat. The property is located off 99th Lane, a county-maintained road, providing access to a rural setting while remaining approximately 10 minutes from the City of Live Oak. Approximately 20 acres of the property are planted in plantation-style pine timber, providing a wooded setting and potential recreational and timber-related uses. A 3.5-acre cleared homesite area provides an open portion of the property for a potential homesite, subject to applicable county regulations and site requirements. There are also two mowed entrances providing established access points from 99th Lane. The property is entirely within Flood Zone X, according to the information provided, and power is available at the northeast corner of the property. These features provide a starting point for someone looking for a rural property with an existing cleared area and nearby utility access. Trail camera images from the property show the quality of Whitetail deer that Suwannee County can produce. While strong in deer numbers, wild turkey also frequent the property. Sprawling live oak trees that add mature hardwood cover and variety to the landscape. The combination of pine timber, open acreage, and hardwoods provides different habitat types across the tract. Suwannee County is known for its agricultural land, rivers, springs, and rural landscape. The Suwannee River is located nearby, providing access to one of North Florida's well-known natural resources and recreational areas. The City of Live Oak is approximately 10 minutes away, providing convenient access to shopping, restaurants, schools, services, and other everyday amenities. Whether you're looking for a rural homesite, recreational acreage, hunting property, or a tract with planted pine timber, this 20.78-acre property offers several features worth considering. With county-maintained road access, a cleared 3.5-acre potential homesite, power at the northeast corner, planted pines, mature live oaks, and established wildlife habitat, the property provides a mix of open and wooded acreage in Suwannee County.

Facts & features

The home at a glance

20.78 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$1,777/yr

Utilities & systems

UtilitiesElectrical Nearby
WaterWell Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,757 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,348
FHA mortgage insurance (est.)$101
Property tax — 2025 actual bill$148
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,015Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,015
Interest rate6.00%
Loan term

Estimated payment

$1,757/mo

Principal & interest$1,348
FHA mortgage insurance (est.)$101
Property taxes (actual bill)$148
Est. insurance$160

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.

Where it sits

Inside Live Oak

Map of 00 99TH LANE

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

Seller’s marketLeans buyer10.2 months of inventoryBuyer’s market

$255K$280K

Live Oak median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 8% below the LIVE OAK 32060 median. See the full Live Oak market guide →

Paper trail

This home's history

Aug 17, 2026Listed at $229,000 · 1 days on market since

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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 00 99TH LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 00 99TH LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

00 99TH LANE FAQs

What would the monthly payment be for 00 99TH LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,757/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 00 99TH LANE?+

The most recent tax bill on record (2025) was $1,777. 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 $229,000, this home is listed about 26% below the Live Oak median of $309,000. The market section on this page shows how the area is trending.

Listing courtesy of WHITETAIL PROPERTIES REAL ESTATE · Thomas Lado. MLS #OM730527.

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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