12TH TERRACE, LIVE OAK, FL, 32060
Active178 days on marketListed Jan 26, 2026MLS #TB8468820
About this home
12TH TERRACE
Discover the perfect opportunity to build your dream home or place a mobile home on this stunning unimproved land, ideally located just a stone's throw away from the picturesque Suwannee River. This exceptional listing includes **8 parcels**, each measuring **135x75**, for a total of **1.84 acres** of prime residential land. With ample space to create your ideal living environment, this property offers the flexibility to design a custom home or set up a mobile home, making it perfect for those seeking a serene retreat or a permanent residence. The generous size of the parcels allows for various configurations, landscaping options, and outdoor amenities. Surrounded by the natural beauty of the area, you’ll enjoy the tranquility and charm that comes with living near the Suwannee River. This location is perfect for outdoor enthusiasts, offering opportunities for fishing, boating, kayaking, and exploring the scenic waterways and lush landscapes that define this region! Seize the chance to own a piece of paradise with this expansive unimproved land near the Suwannee River. With its prime location and endless possibilities, this property is a rare find. Live Oak offers yummy restaurants, beautiful parks, cute shops, and all the necessities. It also has a darling downtown area, complete with historic buildings and a park! Don’t miss this one!
Facts & features
The home at a glance
1.84 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$453 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$453/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Live Oak
Get to know Live Oak. See the full Live Oak guide →
LIVE OAK 32060 — neighborhood snapshot
Population
22,085
Median age
44.4
Median income
$56,702
Median home value
$158,200
Avg household
2.71
Households w/ children
2,337
The numbers that matter
The Live Oak market
$229K → $370K
Live Oak median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% below the LIVE OAK 32060 median. See the full Live Oak market guide →
Paper trail
This home's history
Reality check
What actually sold near 12TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$210,500
22742 112TH TERRACE
3 bd · 2 ba · 1,352 sqft · $156/sqft · 578 DOM
Sold · Sep ’25$230,000
23349 LIVE OAK LANE
2 bd · 1.5 ba · 1,378 sqft · $167/sqft · 162 DOM
Sold · Jan ’26$220,000
22750 112TH TERRACE
3 bd · 2 ba · 1,456 sqft · $151/sqft · 642 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
12TH TERRACE FAQs
What would the monthly payment be for 12TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $453/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12TH TERRACE?+
The most recent tax bill on record (2025) was $98. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12TH TERRACE?+
The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Live Oak?+
At $45,000, this home is listed about 85% below the Live Oak median of $295,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the LIVE OAK 32060 market on paper
$45,000 is 84% below the LIVE OAK 32060 median of $274,450.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
178 days on market against a Live Oak median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $60,000, now $45,000 — a $15K cut. The full history is in the market section below.
Listing courtesy of M3 REAL ESTATE PROFESSIONALS LLC · Marsha Paul. MLS #TB8468820.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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