23378 LIVE OAK LANE, LIVE OAK, FL, 32064
Active121 days on marketListed Apr 3, 2026MLS #GC539133
About this home
23378 LIVE OAK LANE
Move-in ready brick home in the desirable River Woods subdivision! This well-maintained property features an open-concept layout with high ceilings, creating a bright and spacious feel. Key highlights include:Gas fireplace in the living area Spacious bedrooms with large closets Galley kitchen with abundant cabinetry, including a dedicated appliance cabinet to keep counters clear and organized Recent updates: New roof (2024), new water heater, and HVAC system replaced in 2021 2-car garage, washer/dryer, and window coverings included Just minutes from the Copeland Community Center, which offers an indoor pool, fitness center, and additional amenities. Note: Membership to Advent Christian Village is required at $195 per month.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,002
Sqft
0.19 ac
Lot size
2
Garage
2000
Year built
One
Levels
$146
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.
$2,367 /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
$2,367/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
$146 vs $162
Days on market
121 vs 47 typical
Where $146/sqft sits among the 21 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 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
$229K → $370K
Live Oak median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
7 of 21
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 19% above the LIVE OAK 32064 median. See the full Live Oak market guide →
Paper trail
This home's history
Reality check
What actually sold near 23378 LIVE OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$220,000
22750 112TH TERRACE
3 bd · 2 ba · 1,456 sqft · $151/sqft · 642 DOM
Sold · Sep ’25$230,000
23349 LIVE OAK LANE
2 bd · 1.5 ba · 1,378 sqft · $167/sqft · 162 DOM
Sold · Oct ’25$210,500
22742 112TH TERRACE
3 bd · 2 ba · 1,352 sqft · $156/sqft · 578 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 23378 LIVE OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23378 LIVE OAK LANE — 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
23378 LIVE OAK LANE FAQs
What would the monthly payment be for 23378 LIVE OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,367/mo — principal and interest, the actual property-tax bill, the $128/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 23378 LIVE OAK LANE?+
The association fee works out to $128 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23378 LIVE OAK LANE?+
The most recent tax bill on record (2025) was $2,766. 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 23378 LIVE OAK LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $292,000, this home is listed about 1% 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
01Positioned at the premium end
$292,000 runs 19% above the LIVE OAK 32064 median.
02Time on market is leverage
121 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 $295,000, now $292,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEPINE REALTY · Bradley Barnett. MLS #GC539133.
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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