Okeechobee County property record for 1034 SE 39th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,864 sqft · built 2006 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $359,000 (Apr 2022) |
| Tax Bill | $3,800 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Mar 2018 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-24-37-35-0010-00040-0190 |
| Primary APN | 1-24-37-35-0010-00040-0190 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,864 sqft Living Area |
| Gross Area | 3,922 sqft |
| 1st Floor Area | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 107 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Patio |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1034 SE 39TH TER |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-3802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A REVISED AND ADDITION TO PLAT OF CONNERS GABLES (PLAT BOOK 3 PAGE 15) ALL OF LOT 19 & THE NORTH 7.00 FEET OF LOT 18 BLOCK 4 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 24 |
| Legal Subdivision | CONNERS GABLES |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 910402 |
1034 SE 39th Ter is owned and occupied by two individuals who bought it in April 2022.
Source: Okeechobee County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2017 | Deed of Trust, Mortgage · Line of Credit RAILROAD & INDUSTRIAL CU |
| Mar 19, 2018 | Deed of Trust, Mortgage · Line of Credit RAILROAD & INDUSTRIAL CU |
| Dec 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 24, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on File |
| Deed Sale | Apr 25, 2022 · Amount on File |
| Prior Sale | Jun 24, 2019 · Amount on File |
| Deed Document Number | 20225612 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000011334 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 0798/1404 |
| Instrument | 2017011334 |
| Name | RAILROAD & INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003466 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 0804/0433 |
| Instrument | 2018003466 |
| Name | RAILROAD & INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000015902 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 2021015902 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000005612 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Apr 25, 2022 |
| Instrument | 2022005612 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,513.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1034 SE 39TH TER, 1034, OKEECHOBEE, FL 34974-3802 |
| Name | Verified Name |
|---|---|
| Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000005613 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2022005613 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Jun 24, 2019 |
| Property Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000006553 |
| Book / Page | 0826 / 1531 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 2019006553 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,813.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1034 SE 39TH TER, 1034, OKEECHOBEE, FL 34974-3802 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1034 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0008261532 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 0826/1532 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 1034 SE 39th Ter was $3,800 with a homeowner's exemption.
Source: Okeechobee County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,800.00 Homeowner's exemption | $265,595 | $318,064 Land $31,734 Building $286,330 |
| 2023 | $3,569.00 (+17.13%) Homeowner's exemption | $250,592 (+14.01%) | $301,782 (+20.79%) Land $24,682 Building $277,100 |
| 2022 | $3,047.00 Homeowner's exemption | $219,804 | $249,838 Land $15,162 Building $234,676 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1034 SE 39th Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1034 SE 39th Ter is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OKEECHOBEE UTILITY AUTHORITY serves 20,000 people · EPA ID FL4470257 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 5 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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