12985 NE 4th Ter, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 12985 NE 4th Ter, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 1998
Lot Size	0.496 acres (21,649 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Dec 2014)
Tax Bill	$1,641 (2025)
Deeds & Mortgages	Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`1-03-36-35-0030-00000-0110`

Property Details

APN / Parcel Number

Primary APN	`1-03-36-35-0030-00000-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,736 sqft Heated Area
Gross Area	2,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,649 sqft (0.496 acres)
Lot Dimensions	179 ft deep x 121 ft wide
Porch	Open Porch
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	12985 NE 4TH TER
City	OKEECHOBEE
State	FL
Zip	34972-8359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OKEECHOBEE GOLF ESTATES PHASE ONE (PLAT BOOK 6 PAGE 70) LOT 11
Legal Range	35E
Legal Township	36S
Legal Section	03
Legal Subdivision	OKEECHOBEE GOLF ESTATES
Legal Phase	1
Legal Lot Number	11
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	3
Census Block	3004
Census Tract	910101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12985 NE 4TH TER, OKEECHOBEE, FL 34972-8359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2014 · Amount on Record
Deed Sale	Dec 30, 2014 · Amount on Record
Prior Sale	May 8, 1998
Deed Document Number	2014011602
Deed Book / Page	0754 / 1626
Record Updated	Jun 8, 2026

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	12985 NE 4TH TER, OKEECHOBEE, FL 34972-8359
Document Number	0008151233
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12985 NE 4TH TER OKEECHOBEE FL 349728359, OKEECHOBEE, FL 34972-8359

Mortgage

Document Number	0008151233
Date	Oct 30, 2018
Book Page	000815/001233
Instrument	13196

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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	$1,641.00 (-24.66%) Homeowner's exemption	$160,292 (+6.39%)	$277,531 (+0.12%) Land $39,658 Building $237,873
2023	$2,178.00 (+7.93%) Homeowner's exemption	$150,663 (+3%)	$277,187 (+20.7%) Land $34,485 Building $242,702
2022	$2,018.00 Homeowner's exemption	$146,275	$229,642 Land $21,840 Building $207,802

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	12 (2004–2008)
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Frances, Sep 2004 · 8 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

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

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20