Steeve Cadeau
$967,0005 bd3.5 ba3,270 sqft$296 /sqft$6,153 /mo all-in ↓

20952 60TH TERRACE, LIVE OAK, FL, 32060

Active95 days on marketListed Apr 20, 2026MLS #GC536628

Private poolSingle Family ResidenceNOT IN SUBDIVISION

About this home

20952 60TH TERRACE

Set on 20 private acres, this 3,210 sq ft two-story home has 5 bedrooms, 3.5 bathrooms, and an extra flex room, so there’s a ton of space to work with depending on what you need. The wraparound porch and brick plus Hardie board exterior give it that classic look, but it’s also built to last. The primary suite is downstairs, and it has two walk-in closets and a spacious bathroom with separate vanities, a walk-in shower with built-in shelving, and a clawfoot tub under a chandelier. There’s also a glass block wall that brings in natural light without giving up privacy. Right off the bathroom is a flex room that’has endless possibilities like a a craft space, additional closet or nursery, but it did used to have an indoor hot tub and still has a Rinnai temperature control hooked up to an exterior tankless water heater (buyer should verify future use). Throughout the home, there are tons of arched and picture windows, along with crown molding, chandeliers, ceiling fans, and a double-sided gas fireplace that connects the living room and kitchen. The kitchen has granite countertops, stainless steel appliances, a deep farmhouse sink, glass-front upper cabinets, a coffee bar, and a pantry. The dining area sits just off the kitchen and includes built-in shelving. Behind a pocket door, there’s a utility room with the washer and dryer, extra storage, and access to a bathroom. The first bedroom off the hallway has its own bathroom that can also be accessed from the hall, which works well for guests. Two more bedrooms both have walk-in closets and share a Jack-and-Jill bathroom with double sinks, while the shower and toilet are separated. The fourth bedroom has a built-in window bench with storage and another large walk-in closet. Upstairs, there’s an open catwalk with black iron rod railing that overlooks the main living space on the first floor. It leads past a small library nook with built-in book shelf to the fifth bedroom, which is oversized with vaulted ceilings, arched windows, a private toilet area, and extra attic access. Other features include 3 AC units, a central vacuum system with new hoses, built-in dog or kid doors, easy attic access, blown-in insulation, and a whole-home generator. Outside, you’ve got a private pool, multiple sheds, and a four-bay garage with roll-up doors. One of the biggest highlights is the 100x50 insulated workshop with three HVAC units. About half is still set up as an open garage with a 12-foot RV door, and the other half has already been framed and wired for a two-story living or office space, just waiting to be finished out (buyer to verify use). Overall, it’s a really versatile property with a mix of privacy, space, and potential, whether you want room to spread out, run a business, or customize it over time.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,270

Sqft

20 ac

Lot size

6

Garage

1997

Year built

Two

Levels

$296

Per sqft

Private poolFireplaceTrees/Woods view

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · High Ceilings · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Heat Pump · Propane

Outside & construction

RoofMetal · Shingle
ConstructionBrick · HardiPlank Type
FoundationBrick/Mortar
ViewTrees/Woods
FacesNorth
ParkingBath In Garage · Golf Cart Garage · Oversized · RV Garage · RV Parking · Workshop in Garage
ExteriorFrench Doors · Irrigation System · Private Entrance · Private Yard · Rain Gutters · RV Hookup · Shade Shutter(s)

Community & fees

Taxes (2025)$4,954/yr

Utilities & systems

UtilitiesElectricity Connected · Propane · Sprinkler Well · Water Connected
WaterPrivate · Well

The numbers

What it really costs

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

$6,153 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,218
PMI (est., until 20% equity)$363
Property tax — 2025 actual bill$413
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $96,700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $96,700
Interest rate6.00%
Loan term

Estimated payment

$6,153/mo

Principal & interest$5,218
PMI (est., until 20% equity)$363
Property taxes (actual bill)$413
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs NOT IN SUBDIVISION

$296 vs $253

Days on market

95 vs 47 typical

Where $296/sqft sits among the 124 homes for sale in NOT IN SUBDIVISION

47
36 · this home
22
5
1
13
$130–218$218–305$305–393$393–480$480–568$568+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Live Oak

Map of 20952 60TH TERRACE

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

Seller’s marketLeans buyer10.5 months of inventoryBuyer’s market

$229K$370K

Live Oak median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

58 of 124

NOT IN SUBDIVISION have cut their price

Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 252% above the LIVE OAK 32060 median. See the full Live Oak market guide →

Paper trail

This home's history

Apr 20, 2026Listed at $967,000 · 95 days on market since
1997Built · NOT IN SUBDIVISION

Reality check

What actually sold near 20952 60TH TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

308 MARTIN LUTHER KING BOULEVARDSold · Jan ’26

$35,658

308 MARTIN LUTHER KING BOULEVARD · same community

4 bd · 2 ba · 2,712 sqft · $13/sqft · 43 DOM

4510 CINDY ROADSold · Dec ’25

$485,000

4510 CINDY ROAD · same community

4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM

3800 GERBER DAIRY ROADSold · Mar ’26

$1,450,000

3800 GERBER DAIRY ROAD · same community

3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 20952 60TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20952 60TH TERRACE — before you fall in love.

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

20952 60TH TERRACE FAQs

What would the monthly payment be for 20952 60TH TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,153/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 20952 60TH TERRACE?+

The most recent tax bill on record (2025) was $4,954. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Live Oak?+

At $967,000, this home is listed about 228% above the Live Oak median of $295,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$967,000 runs 252% above the LIVE OAK 32060 median — but at 3,270 sqft it's also 74% larger than the typical Live Oak listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

95 days on market against a Live Oak median of 47 — sellers in this position are usually ready to negotiate.

Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Jennifer Barona. MLS #GC536628.

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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