TBD 185TH RD, LIVE OAK, FL, 32060
Active138 days on marketListed Mar 4, 2026MLS #GC538180
About this home
TBD 185TH RD
Beautiful 5.01-acre property that has been cleared, surveyed, and is high and dry, making it ready for your dream home or mini farm. A recent survey has already been completed, providing buyers with added peace of mind. Located in an excellent area close to A-rated schools, including Suwannee Middle School and Suwannee High School, this property offers both convenience and peaceful country living. Enjoy the space and privacy to create your own tranquil retreat, homestead, or small farm. Whether you are looking to build now or invest for the future, this property offers endless possibilities. Please feel free to drive by anytime or schedule a showing to walk the property. Seller is offering to pay closing costs, making this a great opportunity to secure your future homesite.
Facts & features
The home at a glance
5.01 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.
$872 /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
$872/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 60% below the LIVE OAK 32060 median. See the full Live Oak market guide →
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about TBD 185TH RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD 185TH RD — 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.
Straight answers
TBD 185TH RD FAQs
What would the monthly payment be for TBD 185TH RD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $872/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 TBD 185TH RD?+
The most recent tax bill on record (2025) was $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 $100,000, this home is listed about 66% below 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
01Under the LIVE OAK 32060 market on paper
$100,000 is 60% below the LIVE OAK 32060 median of $249,900.
02Time on market is leverage
138 days on market against a Live Oak median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $150,000, now $100,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY · Celia Franjul. MLS #GC538180.
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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