David Ramirez
$85,000≈$739 /mo all-in ↓

104TH STREET, LIVE OAK, FL, 32060

Active313 days on marketListed Sep 14, 2025MLS #W7878961

✦ Priced 69% below the LIVE OAK 32060 median

About this home

104TH STREET

Lovely 5 Acre tract to build your dream home. Lot is mostly cleared and located on paved road. Quiet country setting yet short distance to shopping, restaurants and local conveniences.

Facts & features

The home at a glance

5 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2024)$492/yr

Utilities & systems

UtilitiesBB/HS Internet Available
WaterNone

The numbers

What it really costs

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

$739 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$500
FHA mortgage insurance (est.)$38
Property tax — 2024 actual bill$41
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $2,975Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $2,975
Interest rate6.00%
Loan term

Estimated payment

$739/mo

Principal & interest$500
FHA mortgage insurance (est.)$38
Property taxes (actual bill)$41
Est. insurance$160

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

Map of 104TH 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 69% below the LIVE OAK 32060 median. See the full Live Oak market guide →

Paper trail

This home's history

Sep 14, 2025Listed at $85,000 · 313 days on market since

Reality check

What actually sold near 104TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

22742 112TH TERRACESold · Oct ’25

$210,500

22742 112TH TERRACE

3 bd · 2 ba · 1,352 sqft · $156/sqft · 578 DOM

23349 LIVE OAK LANESold · Sep ’25

$230,000

23349 LIVE OAK LANE

2 bd · 1.5 ba · 1,378 sqft · $167/sqft · 162 DOM

22750 112TH TERRACESold · Jan ’26

$220,000

22750 112TH TERRACE

3 bd · 2 ba · 1,456 sqft · $151/sqft · 642 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 104TH 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 104TH 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

104TH STREET FAQs

What would the monthly payment be for 104TH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $739/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 104TH STREET?+

The most recent tax bill on record (2024) was $492. 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 $85,000, this home is listed about 71% below the Live Oak median of $295,000. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of FLORIDA RELOCATION REALTY · Patrice DeNike. MLS #W7878961.

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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