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17197 44th St, Live Oak, FL, 32060

4beds
2baths
2,280sqft
$449,900
$197price/sqft
$3,250/moest. monthly cost
$130,000/yrincome needed

About This Home

Escape to the country with this spacious home. Designed with comfort & character, this home blends rustic charm & modern convenience. The home has ship lap walls, a farmhouse sink, two living areas, a huge pantry and large closets, double sinks in the guest bath and a garden tub in the master bath. And all on an expansive 20-acre lot, offering privacy, room to roam, and endless possibilities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
4/10
Suwannee Middle SchoolGrades 6-89.1 mi
4/10
Suwannee High SchoolGrades 9-129.0 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Pillar Post Pier
  • Roof: Metal
  • Construction materials: Frame Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Refrigerator,Microwave,Dishwasher,Electric Range
  • Laundry features: Laundry Room,Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Insulated,Ceiling Fan(s),Laminate Counters
  • Window features: Aluminum Frames,Insulated Windows,Screens,Blinds
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 2,280 sqft

Property

Details

  • Parcel number: 2701S12E09704000050
  • Zoning: A-1

Features

  • Patio & porch: Front Porch,Deck

Lot

  • Lot size: 20.17 Acres
  • Lot size dimensions: 660 x 1340

Parking

  • Parking features: 3+ Car,Driveway
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Inland Flooding
Cold Wave
Heat Wave
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 $2,274$27,288
Home Insurance *$265$3,180
Property Taxes $482$5,784
Electricity $229$2,753
Total$3,250$39,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,428/yr
40% on housing$97,500/yr
45% on housing$86,666/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

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 32060$201
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)

Price History

DateEventPrice
2026-02-09Price change$449,900
2025-12-18Listed for sale$460,000

For Sale by Agent

AgentLeigh Ann Mills
BrokerageNextHome Gateway Realty

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