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15130 N 104th St, Live Oak, FL, 32060

5beds
4baths
1,992sqft
$319,000
$160price/sqft
$2,179/moest. monthly cost
$87,160/yrincome needed

About This Home

Beautiful home in the country side, with lots of space, adding a free In law suite, private entrance, a lake in backyard, also have a chicken house, and a house for horse.Lot has back fence, on the left side of the property is a wooded land, 3.68 acres land for this home, Newly r renoovated with brande new appliances. Come to take a look of this dream home. Side with right neighbor is not fenced, but it is very easy to do. There are couple benches sitting by the lake.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
4/10
Suwannee Middle SchoolGrades 6-84.0 mi
4/10
Suwannee High SchoolGrades 9-124.5 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1981

Materials

  • Foundation: Crawlspace,Other
  • Roof: Metal
  • Construction materials: Wood Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Courtyard,Patio
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Accessibility Features,Ceiling Fan(s),Other,In-Law Floorplan
  • Window features: Blinds
  • Flooring: Laminate,Tile
  • Common walls with other units/homes: Corner Unit

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 1,992 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 0603S13E08499003000
  • Zoning: X
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch
  • Exterior features: Balcony,Private Mailbox
  • Has view: Yes
  • View description: Garden,Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: Lake Privileges
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 3.64 Acres
  • Features: Cleared,Farm,Landscaped,Pasture,Private,Zoned for Horses

Parking

  • Parking features: Driveway,Open
  • 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
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
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 $1,613$19,356
Home Insurance *$188$2,256
Property Taxes $178$2,136
Electricity $200$2,405
Total$2,179$26,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,708/yr
40% on housing$65,370/yr
45% on housing$58,106/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 32060$202
Suwannee County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 32060
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)

No zestimate history available

Price History

DateEventPrice
2026-01-11Price change$319,000
2025-04-24Listed for sale$329,000

For Sale by Agent

AgentFrank Xiao Y Lin
BrokerageCHARTED COURSE REALTY GROUP LLC

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