Okeechobee County property record for 1092 SE 39th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,952 sqft · built 2006 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Apr 2023) |
| Tax Bill | $3,683 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Feb 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-24-37-35-0010-00040-0160 |
| Primary APN | 1-24-37-35-0010-00040-0160 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,952 sqft Heated Area |
| Gross Area | 2,552 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 107 ft deep x 82 ft wide |
| Porch | Finished/Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1092 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) LOT 16 LESS THE NORTH 21.00 FEET THEREOF & THE NORTH 2 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 24 |
| Legal Subdivision | A REVISED AND ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 910402 |
1092 SE 39th Ter is owned and occupied by an individual who bought it in April 2023.
Source: Okeechobee County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1092 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 |
|---|---|
| Apr 21, 2023 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Feb 6, 2023 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| May 4, 2021 | Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on File |
| Deed Sale | Apr 21, 2023 · Amount on File |
| Prior Sale | May 4, 2021 · Amount on File |
| Deed Document Number | 0000004803 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Apr 21, 2023 |
| Property Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000004803 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023004803 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Name | Verified Name |
|---|---|
| Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000004804 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 2023004804 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 0000001446 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 2023001446 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 16, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | May 4, 2021 |
| Property Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 2021005534 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2021005534 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9526 NE 104TH TER, 9526, OKEECHOBEE, FL 34972-7486 |
| Name | Verified Name |
|---|---|
| Address | 1092 SE 39TH TER, OKEECHOBEE, FL 34974-3802 |
| Document Number | 2021005535 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 2021005535 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 1092 SE 39th Ter was $3,683.
Source: Okeechobee County assessment roll, as of July 1, 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 | $3,683.00 | $268,580 Land $31,734 Building $236,846 | $268,580 Land $31,734 Building $236,846 |
| 2023 | $3,149.00 (+6.17%) Homeowner's exemption | $220,390 (+3%) | $253,884 (+18.65%) Land $24,682 Building $229,202 |
| 2022 | $2,966.00 Homeowner's exemption | $213,971 Land $15,162 Building $198,809 | $213,971 Land $15,162 Building $198,809 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1092 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 1092 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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