109 Ohio Ave N, Live Oak, FL, 32064
About This Home
A unique opportunity, in the heart of downtown, to own a historic building with Owner/Employee dwelling potential. The first floor of the building boasts approx 6,727 sq feet heated/cooled plus 2nd story, which gives it over 11,000 sq ft total. This is a prime location for retail, office, or other commercial uses. A valuable feature is the allowance for live-work opportunity or potential for onsite employee housing. (See zoning section 4.14.1 and 4.14.2) Owner recently uncovered oak flooring, ornate antique ceiling tiles, and red steel I-beam, running the length of the main room. New roof installed over main building, August 2024. With the generous square footage, flexible zoning, historic charm, and downtown prominence, and side entrance this building presents itself as an exceptional investment opportunity. This building is being sold "as-is". Call for a showing or more information.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Brick,Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Laundry features: None
Bedrooms & Bathrooms
- Bathrooms: 1
- Full bathrooms: 1
Features
- Window features: Aluminum Frames,Other
- Flooring: Concrete,Hardwood
Heating & Cooling
- Heating features: Central Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 6,727
- Total interior livable area: 6,727 sqft
Property
Details
- Parcel number: 2302S13E06338010020
- Zoning: CCBD
Features
- Levels: Two
- Stories: 2
- Patio & porch: None
Lot
- Features: Irregular Lot
- Lot size dimensions: irregular
Parking
- Parking features: On Street
- Has uncovered spaces: Yes
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
- Lightning
- Hurricane
- Inland Flooding
- Cold Wave
- Heat Wave
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Suwannee County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,022 | $24,264 |
| Home Insurance * | $236 | $2,832 |
| Property Taxes | $223 | $2,676 |
| Electricity | $676 | $8,123 |
| Total | $3,157 | $37,884 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-07-21 | Price change | $399,900 |
| 2025-06-25 | Listed for sale | $419,900 |
View on Zillow