
3901 181ST ROAD, LIVE OAK, FL, 32060
Active1 days on marketListed Aug 12, 2026MLS #S5155489
About this home
3901 181ST ROAD
**MAKE THIS YOUR GETAWAY! — 20 ACRES OF PRIVACY, NATURE & OPPORTUNITY** Escape to your own piece of Florida with this beautiful **20-acre property** located less than a mile from paved County Road 132. Offering a combination of cleared areas, mature oaks, natural wildlife habitat, and plenty of room to create your own private retreat, this property is ideal for a homesite, weekend getaway, recreational use, or hunting. The front fence line has been cleared, with some fence posts already in place. A long private driveway runs along the **south property line**, providing access deep into the property. A **new well has recently been installed**, featuring a **1.5-horsepower pump** and more than 100 feet of well depth. A portion of the property has also been cleared, leveled, and filled, creating a potential building site. **Manufactured homes are allowed**, providing additional flexibility for your future plans. The property also features approximately **8 acres of first-year planted pine trees**, offering the potential for future timber value while adding to the natural character of the land. A **metal storage container** is already located on the property, with water and electrical hookups available. Electricity is on the property but will need to be connected/wired to the well. Whether you're looking to build your dream home, establish a private hunting retreat, enjoy recreational land, or simply own acreage away from the hustle and bustle, this property offers an excellent opportunity to make it your own. Conveniently located approximately **12 miles from Suwannee Music Park**, with Walmart, Interstate access, shopping, and everyday conveniences within a reasonable drive. **PROPERTY HIGHLIGHTS:** * 20± acres * Less than 1 mile from paved County Road 132 * Mature granddaddy oak trees * Natural wildlife habitat * Approximately 8 acres of newly planted pine trees * New well with 1.5 HP pump * 100+ ft. well * Cleared and leveled potential homesite * Manufactured homes allowed * Long driveway along south property line * Front fence line cleared with some posts already installed * Metal storage container included * Water and electrical hookups * Electricity available on property * Excellent hunting/recreational potential * Approximately 12 miles to Suwannee Music Park * Convenient access to Walmart and Interstate **Bring your vision, your plans, and your sense of adventure. Opportunities to own 20 acres with this combination of location, improvements, and natural beauty don't come along often.** **Call today to schedule your private showing!**
Facts & features
The home at a glance
20 ac
Lot size
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.
$1,695 /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
$1,695/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.
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)
Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the LIVE OAK 32060 median. See the full Live Oak market guide →
Paper trail
This home's history
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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3901 181ST ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3901 181ST ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3901 181ST ROAD FAQs
What would the monthly payment be for 3901 181ST ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,695/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 3901 181ST ROAD?+
The most recent tax bill on record (2025) was $1,711. 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 $220,000, this home is listed about 29% below the Live Oak median of $309,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of M & N HOLLOWAY · Frank Holloway. MLS #S5155489.
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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