0 65TH DRIVE LOT 40, LIVE OAK, FL, 32060
Active443 days on marketListed May 8, 2025MLS #GC530744
About this home
0 65TH DRIVE LOT 40
Pre-Construction. To be built. Home construction shall commence with Gibraltar Contracting LLC after signing purchase contract with buyer. The 1880 model is an accommodating, open plan that is a proven quick seller. Finishes include craftsman trim, quartz counters, luxury vinyl plank flooring, tile showers and bathroom floors. 9' ceilings throughout plus 1' tray ceiling in master bedroom and great room. *Photos are NOT the actual home but a matching plan by same builder and represent finishes offered. Pictures are from same floor plan with 10' ceilings in living area. This offering has 9' ceilings. Located in attractive Lake Louise Estates. Access to beautiful private lake with community boat ramp. Not actual home. Home is to be built.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,880
Sqft
0.58 ac
Lot size
2
Garage
2026
Year built
One
Levels
$215
Per sqft
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 and the real association fee — not generic estimates.
$2,780 /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
$2,780/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.
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 Live Oak actives
$215 vs $161
Days on market
443 vs 47 typical
Where $215/sqft sits among the 20 Live Oak actives
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
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)
8 of 20
Live Oak actives have cut their price
Median sold price, Live Oak, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% above the LIVE OAK 32060 median. See the full Live Oak market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 65TH DRIVE LOT 40
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$345,000
6383 WIGGINS ROAD
4 bd · 2 ba · 2,280 sqft · $151/sqft · 0 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 0 65TH DRIVE LOT 40 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 65TH DRIVE LOT 40 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
0 65TH DRIVE LOT 40 FAQs
What would the monthly payment be for 0 65TH DRIVE LOT 40?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,780/mo — principal and interest, the actual property-tax bill, the $21/mo association fee 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.
How much are the HOA fees at 0 65TH DRIVE LOT 40?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 0 65TH DRIVE LOT 40?+
The most recent tax bill on record (2025) was $428. 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 0 65TH DRIVE LOT 40?+
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 $405,000, this home is listed about 37% above 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
01Positioned at the premium end
$405,000 runs 48% above the LIVE OAK 32060 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
443 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 $460,000, now $405,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROCKFORD REALTY GROUP · Kristina Mills. MLS #GC530744.
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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