David Ramirez
$1,952,535≈$11,460 /mo all-in ↓

138TH STREET, LIVE OAK, FL, 32060

Active17 days on marketListed Jul 5, 2026MLS #OM727946

About this home

138TH STREET

205.53 Acres in beautiful Suwannee County Florida. Great pasture land or a great investment development property.

Facts & features

The home at a glance

205.53 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$383/yr

Utilities & systems

UtilitiesOther
WaterWell

The numbers

What it really costs

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

$11,460 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,536
PMI (est., until 20% equity)$732
Property tax — 2025 actual bill$32
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $195,254Loan30-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

Get my real numbersCall

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% · $195,254
Interest rate6.00%
Loan term

Estimated payment

$11,460/mo

Principal & interest$10,536
PMI (est., until 20% equity)$732
Property taxes (actual bill)$32
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.

Where it sits

Inside Live Oak

Map of 138TH STREET

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 buyer — 10.5 months of inventoryBuyer’s 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 611% above the LIVE OAK 32060 median. See the full Live Oak market guide →

Paper trail

This home's history

Jul 5, 2026Listed at $1,952,535 · 17 days on market since

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 138TH STREET — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 138TH STREET — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

138TH STREET FAQs

What would the monthly payment be for 138TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,460/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 138TH STREET?+

The most recent tax bill on record (2025) was $383. 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 $1,952,535, this home is listed about 562% above the Live Oak median of $295,000. The market section on this page shows how the area is trending.

Listing courtesy of BRUCE A. RATLIFF REAL ESTATE DEVELOPMENT · Bruce Ratliff. MLS #OM727946.

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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