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1276 SW 18th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1276 SW 18th Ter, Okeechobee, FL 34974

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,740 sqft · built 1981
Lot Size0.323 acres (14,070 sqft)
Owner2 Individual Names on File
Last Sale$182,000 (Jun 2018)
Tax Bill$2,282 (2025)
Deeds & MortgagesNov 2020 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1-20-37-35-0080-00000-0160

Property Details

APN / Parcel Number

Primary APN1-20-37-35-0080-00000-0160
Alternative APN
  • R12037350080000000160

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,740 sqft Living Area
Gross Area2,276 sqft
1st Floor Area1,740 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,070 sqft (0.323 acres)
PorchFinished/Open Porch
Patio Area234 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1276 SW 18TH TER
CityOKEECHOBEE
StateFL
Zip34974-4801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionECHO ESTATES (PLAT BOOK 5 PAGE 46) LOT 16
Legal Range35E
Legal Township37S
Legal Section20
Legal SubdivisionECHO ESTATES
Legal Lot Number16
JurisdictionOKEECHOBEE FL
Township / Civil DivisionOKEECHOBEE
Census Block Group3
Census Block3035
Census Tract910601

Owner

1276 SW 18th Ter is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record2 Individual Names on File
Mailing Address1276 SW 18TH TER, OKEECHOBEE, FL 34974-4801
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 3, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jun 12, 2018Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 12, 2018 · Amount on File
Deed SaleJun 12, 2018 · Amount on File
Prior SaleMay 25, 2010 · Amount on File
Deed Document Number20187546
Deed Book / Page808 / 1566
Prior Transfer DateApr 27, 2010
Prior Transfer Doc0006861792
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1276 SW 18TH TER, OKEECHOBEE, FL 34974-4801
Document Number0000011147
Instrument DateNov 3, 2020
Transaction TypeMortgage
Record UpdatedDec 9, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1276 SW 18TH TER OKEECHOBEE FL 349744801, OKEECHOBEE, FL 34974-4801

Mortgage

Document Number0000011147
DateNov 13, 2020
Instrument11147
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term336 Months
DueNov 12, 2048

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateJun 12, 2018
Property Address1276 SW 18TH TER, OKEECHOBEE, FL 34974-4801
Document Number0008081566
Book / Page000808 / 001566
Instrument DateMay 29, 2018
Instrument7546
Transaction TypeTransfer
Record UpdatedJul 9, 2018
Title CompanyCLEAR TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,274.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1276 SW 18TH TER OKEECHOBEE FL 349744801, OKEECHOBEE, FL 34974-4801

Mortgage

Document Number8081568
DateJun 12, 2018
Book Page000808/001568
Instrument7547
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1276 SW 18th Ter was $2,282 with exemptions applied.

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$2,282.00 Homeowner's exemption Widower's exemption$159,903$202,874 Land $37,000 Building $165,874
2023$2,133.00 (+4.46%) Homeowner's exemption Widower's exemption$152,433 (+3%)$210,078 (+18.71%) Land $28,000 Building $182,078
2022$2,042.00 Homeowner's exemption$147,993$176,973 Land $25,000 Building $151,973

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

Flood

FEMA maps place 1276 SW 18th Ter in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 Policies7 in force
Nearby Flood Claims6 (2004–2012)
Claims Outside the SFHA6 of 6
Most Recent ClaimAug 2012 · rainfall accumulation
Claims by Event
  • Hurricane Wilma, Oct 2005 · 2 claims

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 1276 SW 18th Ter is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 136 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

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