1094 SE 38th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1094 SE 38th Ter, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,980 sqft · built 2006
Lot Size	0.191 acres (8,320 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jul 2021)
Tax Bill	$1,853 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-24-37-35-0010-00050-0110`

Property Details

APN / Parcel Number

Primary APN	`1-24-37-35-0010-00050-0110`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Building Area	1,980 sqft Heated Area
Gross Area	2,180 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,320 sqft (0.191 acres)
Lot Dimensions	107 ft deep x 78 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1094 SE 38TH TER
City	OKEECHOBEE
State	FL
Zip	34974-3721
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 11 LESS THE NORTH 9.00 FEET THEREOF, TOGETHER WITH
Legal Range	35E
Legal Township	37S
Legal Section	24
Legal Subdivision	A REVISED AND ADDITION
Legal Block	5
Legal Lot Number	11
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2024
Census Tract	910402

Owner

1094 SE 38th Ter is owned and occupied by an individual who bought it in July 2021.

Source: Okeechobee County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1094 SE 38TH TER, OKEECHOBEE, FL 34974-3721
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Prior Sale	May 5, 2009 · Amount on File
Deed Document Number	2021009326
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 23, 2021
Property Address	1094 SE 38TH TER, OKEECHOBEE, FL 34974-3721
Document Number	2021009326
Map Reference	MB 3 PG 15
Instrument Date	Jul 22, 2021
Instrument	2021009326
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1094 SE 38TH TER, 1094, OKEECHOBEE, FL 34974-3721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1094 SE 38TH TER, OKEECHOBEE, FL 34974-3721

Mortgage

Document Number	2021009327
Date	Jul 23, 2021
Instrument	2021009327

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1094 SE 38th Ter was $1,853 with a homeowner's exemption.

Source: Okeechobee County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,853.00 Homeowner's exemption	$175,749	$257,186 Land $30,186 Building $227,000
2023	$2,389.00 (-27.1%) Homeowner's exemption	$165,821 (-15.39%)	$243,155 (+24.07%) Land $23,478 Building $219,677
2022	$3,277.00	$195,990 Land $14,422 Building $181,568	$195,990 Land $14,422 Building $181,568

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1094 SE 38th 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

Wildfire risk around 1094 SE 38th 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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