Steeve Cadeau
$89,900$125,000≈$789 /mo all-in ↓

229 TH DRIVE, LIVE OAK, FL, 32064

Active619 days on marketListed Nov 7, 2024MLS #D6138886

✦ Priced 63% below the LIVE OAK 32064 median✦ Reduced $35KWaterfront

About this home

229 TH DRIVE

Lot has Well and Septic and Temp electric pole

Facts & features

The home at a glance

1.8 ac

Lot size

WaterfrontPets allowed

Inside

Outside & construction

FacesEast

Community & fees

Taxes (2024)$720/yr
PetsYes

Utilities & systems

UtilitiesElectrical Nearby · Utility Pole
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$789 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$529
FHA mortgage insurance (est.)$40
Property tax — 2024 actual bill$60
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $3,147Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $3,147
Interest rate6.00%
Loan term

Estimated payment

$789/mo

Principal & interest$529
FHA mortgage insurance (est.)$40
Property taxes (actual bill)$60
Est. insurance$160

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

Map of 229 TH DRIVE

Get to know Live Oak. See the full Live Oak guide →

LIVE OAK 32064 — neighborhood snapshot

Population

7,661

Median age

40.7

Median income

$50,315

Median home value

$164,300

Avg household

2.44

Households w/ children

631

The numbers that matter

The Live Oak market

Seller’s marketLeans buyer — 10.5 months of inventoryBuyer’s 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 63% below the LIVE OAK 32064 median. See the full Live Oak market guide →

Paper trail

This home's history

CurrentPrice reduced to $89,900 ▼ $35K
Nov 7, 2024Listed at $125,000 · 619 days on market since

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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 229 TH DRIVE — start here.

CallText
steeve.cadeau@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 229 TH DRIVE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

229 TH DRIVE FAQs

What would the monthly payment be for 229 TH DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $789/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 229 TH DRIVE?+

The most recent tax bill on record (2024) was $720. 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 229 TH DRIVE?+

The listing reports pets: Yes. 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 $89,900, this home is listed about 70% 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 32064 market on paper

$89,900 is 63% below the LIVE OAK 32064 median of $245,000.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

619 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 $125,000, now $89,900 — a $35K cut. The full history is in the market section below.

Keep looking

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Listing courtesy of SOUTH GULF COVE REALTY, INC · Gary Miner. MLS #D6138886.

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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