Florida county guide
Suwannee County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Suwannee County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
Suwannee County is a rural county in north central Florida, and its county seat is Live Oak. In the three months ending June 2026, the median sale price was $300,153, which is 9.73% lower than a year earlier. Homes sold after an average of 82 days on market, down from 115 days a year before, and 25 homes sold in June 2026, up from 15.
Main cities: Live Oak, Branford, Wellborn, McAlpin, O'Brien
Closing costs at common prices
| Sale price | Deed doc stamps | Owner's title policy | Note doc stamps + intangible tax (80% loan) |
|---|---|---|---|
| $250,000 | $1,750 | $1,325 | $1,100 |
| $300,000 | $2,100 | $1,575 | $1,320 |
| $500,000 | $3,500 | $2,575 | $2,200 |
| $750,000 | $5,250 | $3,825 | $3,300 |
Deed doc stamps are $0.70 per $100 of the price and are normally paid by the seller. In Suwannee County the seller customarily pays the owner's title policy, at Florida's promulgated rate. Buyers with a loan also pay $0.35 per $100 on the note and 0.2% intangible tax. Property tax uses the county's typical millage less the $50,000 homestead exemption, so it's an estimate; check the property appraiser for any parcel.
Flood risk
Some properties near the Suwannee and Santa Fe rivers fall in FEMA flood zones, so buyers should look up the parcel's flood zone and get flood insurance quotes before closing.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Suwannee County?
- On a $300,153 sale, deed doc stamps are about $2,101 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Suwannee County?
- By custom the seller pays for the owner's title policy. At $300,153 it's about $1,580 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- Suwannee County, FL Housing Market - Redfin
- Suwannee County, Florida - Wikipedia (2020 Census)
- Suwannee County Property Appraiser
- Suwannee County Clerk of Court
- Suwannee County Tax Collector
Market figures researched November 3, 2026.