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1128 SE 38th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1128 SE 38th Ter, Okeechobee, FL 34974

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,884 sqft · built 2006
Lot Size0.319 acres (13,896 sqft)
Owner2 Individual Names on Record
Last Sale$116,400 (Jul 2018)
Tax Bill$2,099 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Jun 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN1-24-37-35-0010-00050-0090

Property Details

APN / Parcel Number

Primary APN1-24-37-35-0010-00050-0090
Alternative APN
  • R12437350010000500090

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,884 sqft Living Area
Gross Area3,972 sqft
1st Floor Area1,232 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area13,896 sqft (0.319 acres)
Lot Dimensions107 ft deep x 130 ft wide
Garage TypeAttached
Garage Area630 sqft
PorchFinished Screened Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1128 SE 38TH TER
CityOKEECHOBEE
StateFL
Zip34974-3722
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionA REVISED AND ADDITION TO PLAT OF CONNERS GABLES (PLAT BOOK 3 PAGE 15) ALL OF LOT 9 & THE SOUTH 5.00 FEET OF LOT 10 BLOCK 5
Legal Range35E
Legal Township37S
Legal Section24
Legal SubdivisionCONNERS GABLES
Legal Block5
Legal Lot Number9
JurisdictionOKEECHOBEE FL
Township / Civil DivisionOKEECHOBEE
Census Block Group2
Census Block2024
Census Tract910402

Owner

Source: Okeechobee County records, as of November 19, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Jun 25, 2020Deed of Trust, Mortgage · FHA Mortgage
MR COOPER
May 2, 2019Deed of Trust, Mortgage · FHA Mortgage
MR COOPER
Jul 6, 2018Quit Claim Deed, Transfer · FHA Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 6, 2018 · Amount on Record
Deed SaleJul 6, 2018 · Amount on Record
Prior SaleJan 18, 2007 · Amount on Record
Deed Document Number20188766
Deed Book / Page810 / 420
Prior Transfer DateJun 29, 2018
Prior Transfer Doc0008100420
Record UpdatedJun 8, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722
Transaction TypeMortgage
Record UpdatedMar 12, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722

Mortgage

Document Number2021001628
DateFeb 12, 2021
Instrument2021001628
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMar 1, 2036

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722
Document Number0000006223
Instrument DateJun 25, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1128 SE 38TH TER OKEECHOBEE FL 349743722, OKEECHOBEE, FL 34974-3722

Mortgage

Document Number0000006223
DateJul 6, 2020
Instrument6223
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 5, 2050

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722
Document Number0008241354
Instrument DateMay 2, 2019
Transaction TypeMortgage
Record UpdatedJul 4, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1128 SE 38TH TER OKEECHOBEE FL 349743722, OKEECHOBEE, FL 34974-3722

Mortgage

Document Number0008241354
DateMay 13, 2019
Book Page000824/001354
Instrument4983
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 12, 2049

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKEECHOBEE FL
Recording DateJul 6, 2018
Property Address1128 SE 38TH TER, OKEECHOBEE, FL 34974-3722
Document Number0008100420
Book / Page000810 / 000420
Instrument DateJun 29, 2018
Instrument8766
Transaction TypeTransfer
Record UpdatedSep 17, 2018
Title CompanyTITLE 365

Transaction

AmountAmount Recorded
Tax$814.58
Amount AccuracyConfirmed
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1128 SE 38TH TER OKEECHOBEE FL 349743722, OKEECHOBEE, FL 34974-3722

Mortgage

Document Number8100422
DateJul 6, 2018
Book Page000810/000422
Instrument8767
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 5, 2048

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of November 19, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkeechobee County
Unified School DistrictOkeechobee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,099.00 (+8.14%) Homeowner's exemption$141,613 (+5.99%)$329,544 (+6.53%) Land $50,310 Building $279,234
2023$1,941.00 (+8.68%) Homeowner's exemption$133,614 (+3%)$309,358 (+19.62%) Land $39,130 Building $270,228
2022$1,786.00 Homeowner's exemption$129,722$258,615 Land $24,037 Building $234,578

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemOKEECHOBEE UTILITY AUTHORITY
serves 20,000 people · EPA ID FL4470257
Water SourceSurface water
Last State InspectionJun 2023
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jan 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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