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23390 Elmwood Ln, Live Oak, FL, 32064

2beds
2baths
1,154sqft
$198,000
$172price/sqft
$1,594/moest. monthly cost
$63,760/yrincome needed

About This Home

Discover the perfect blend of comfort and complete accessibility in this charming residence located within the prestigious Advent Christian Village in Dowling Park, Florida. Designed for effortless living, the home is fully wheelchair accessible, featuring a seamless no-step interior, extra-wide doorways, and spacious hallways. The thoughtful layout includes a primary suite with an expansive walk-in shower and a convenient half-bath for visitors. At the heart of the home, the open-concept living and dining areas provide a bright, airy atmosphere perfect for both quiet relaxation and entertaining. Functionality meets lifestyle with the extra-large 1+ car garage, offering abundant storage and ample room for your golf cart—the preferred way to navigate the village’s scenic paths. Nestled along the banks of the historic Suwannee River, this vibrant 55+ community offers an unparalleled lifestyle with on-site dining, shopping, a wellness center, pools, tennis courts, and comprehensive healthcare services. Please note: Purchase is subject to Buyer approval for Advent Christian Village membership.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
4/10
Suwannee Middle SchoolGrades 6-814.3 mi
4/10
Suwannee High SchoolGrades 9-1214.7 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Ice Maker,Refrigerator,Stove,Washer

Bedroom2

  • Dimensions: 16x15

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Dimensions: 10x7

Family Room

  • Dimensions: 0x0

Features

  • Handicap Access,Entrance Foyer,Pantry,Walk-In Closet(s)
  • Flooring: Engineered Hardwood,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,154
  • Total interior livable area: 1,154 sqft

Kitchen

  • Dimensions: 11x10

Living Room

  • Dimensions: 12x13

Master Bedroom

  • Dimensions: 16x14

Property

Details

  • Parcel number: 0503S11E11341120060
  • Special condition: Standard

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Porch
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 53 x 121 x 91 x 121

Parking

  • Total spaces: 1
  • Parking features: Garage,One Car Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Cold Wave
Tornado
Wildfire

FEMA Declared Disasters in Suwannee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,001$12,012
Home Insurance *$117$1,404
Property Taxes $279$3,348
Electricity $197$2,366
Total$1,594$19,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,651/yr
40% on housing$47,820/yr
45% on housing$42,506/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 32064$107
Suwannee County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 32064
Suwannee County$178

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-03Listed for sale$198,000
2025-10-09Listing removed$234,000
2025-06-27Price change$234,000
2025-05-21Price change$244,000
2025-04-08Listed for sale$249,000
2020-03-20Sold$140,000
2020-01-28Price change$145,000
2019-01-21Listed for sale$155,000
2016-02-22Sold$120,000

For Sale by Agent

AgentChannah Galbraith
BrokerageThe American Dream

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