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8818 131st Rd, Live Oak, FL, 32060

4beds
3baths
2,672sqft
$429,000
$161price/sqft
$3,158/moest. monthly cost
$126,320/yrincome needed

About This Home

One-Owner brick home has 2,672sf heated and cooled living space plus a garage and screened-in porch 3,062 sf total. 4 bedrooms and 2-1/2 baths split plan. Primary bath has a garden tub, separate shower, double vanity, tray ceiling, His/Hers walk-in closets, and toilet room. Primary bedroom has tray ceiling, French doors to porch and recessed lighting. Three additional bedrooms on the opposite side of the home along with 1-1/2 baths, double vanity and shower/tub combo. Bedrooms have large walk-in closets. Kitchen sits in the heart of the home with an open design, looking onto the dining room and family room areas, and featuring a double porcelain sink, smooth-top, double oven stove, new dishwasher, microwave, and 3-door french-style fridge/freezer, water/ice in the door & a pantry. Recessed lighting, French doors, Inside laundry room with a sink. The entire home is tiled so no carpet to worry about. A newer roof, screened-in porch, nearly an acre at .91 and lovely landscaping with fruit trees including banana and persimmon, crepe myrtles and various flowering trees and plants. An attached garage and a large 2-car wide, paved parking area. On a paved road in a nice, well-kept subdivision, only about 1-1/2 miles from downtown, schools, shopping or whatever you need. About 4 miles from the interstate if you want to take a trip. Close to springs, rivers, lakes, state parks, and the Suwannee Music Park, you can swim, float, boat, dive, and explore all you want to.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
4/10
Suwannee Middle SchoolGrades 6-81.5 mi
4/10
Suwannee High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Features

  • Insulated,Ceiling Fan(s),Vaulted Ceiling(s),High Speed Internet,Laminate Counters
  • Window features: Aluminum Frames,Insulated Windows,Screens,Blinds
  • Flooring: Ceramic Tile,Porcelain Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,672
  • Total interior livable area: 2,672 sqft

Property

Details

  • Parcel number: 2802S13E08257020020
  • Zoning: SFR
  • Other equipment: Sprinkler System,Irrigation Equipment

Features

  • Levels: One
  • Patio & porch: Screened,Rear Porch
  • Exterior features: Sprinkler System,Irrigation,Shrubbery,Flowers,Fruit Trees,Flowering Trees

Lot

  • Lot size: 0.91 Acres
  • Features: Orchard(s)
  • Lot size dimensions: .91 acres

Parking

  • Total spaces: 2
  • Parking features: 2 Car,Garage,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Tornado

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 $2,169$26,028
Home Insurance *$253$3,036
Property Taxes $468$5,616
Electricity $268$3,226
Total$3,158$37,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,274/yr
40% on housing$94,740/yr
45% on housing$84,213/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

$161This 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)

Price History

DateEventPrice
2026-04-26Listed for sale$429,000
2026-02-15Listing removed$459,000
2025-09-18Price change$459,000
2025-08-09Listed for sale$499,000
2003-12-22Sold$20,500

For Sale by Agent

AgentAngela Watson
BrokerageTHE ROCK REALTY OF FLORIDA

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