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Active

Active·73 days on market

7410 129th Road

Live Oak, FL 32064

$95,000$108/sqftEst. $503/moMLS# 2154408

↓ $35,000 below original list

Beds

Baths

880

Sq Ft

1940

Built

—

Garage

Pool

FEMA Zone XNo HOASingle Family Residence1 story

About this home

Live Oak

Great investment opportunity - tenant occupied rental property available now! Home has long term tenant in place paying below market rent at $650 & tenant. New roof metal installed 2026, exterior freshly painted outside is charming. Road 129 is off of hwy 90

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$503

Estimated total, before insurance$503/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$95,000

Down Payment: 20%

$19,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$503

Principal & Interest: $503

Insurance (est.): $63

Estimated Total Monthly

$566

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1940)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,477 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 17, 2026Price change$95,000−$35,000
Jul 8, 2026Listed$130,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$95,000

Price / Sq Ft$108

Bedrooms2

Bathrooms1.00

Full Baths1

Square Footage880

Year Built1940

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address7410 129th Road, Live Oak, FL 32064

Area842-Suwannee County-Northwest

SubdivisionMetes & Bounds

CityLive Oak

CountySuwannee

StateFL

Zip Code32064

Parcel Number1502S13E0510900100014771

Amenities

UtilitiesElectricity Connected

Water SourceWell

ParkingAdditional Parking

Interior

AppliancesNone

HeatingVaries by Unit

CoolingWall/Window Unit(s)

# of Stories1

Additional Information

Date ListedJuly 8, 2026

Days on Market57

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: PENINSULA PROPERTIES REALTY INC · crystalmoyer@live.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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