Okeechobee County property record for 181 SW 20th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,688 sqft · built 1979 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Apr 2023) |
| Tax Bill | $2,011 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-20-37-35-0060-00000-0300 |
| Primary APN | 1-20-37-35-0060-00000-0300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| Gross Area | 1,788 sqft |
| 1st Floor Area | 1,688 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,148 sqft (0.21 acres) |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 181 SW 20TH TER |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-3919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINTA PARK (PLAT BOOK 4 PAGE 1) LOT 30 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 20 |
| Legal Subdivision | WINTA PARK |
| Legal Lot Number | 30 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 910601 |
181 SW 20th Ter is owned and occupied by two individuals who bought it in April 2023.
Source: Okeechobee County records, as of November 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 11, 2023 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 23, 2021 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK |
| Jan 24, 2020 | Warranty Deed, Transfer METROPLEX MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on File |
| Deed Sale | Apr 11, 2023 · Amount on File |
| Prior Sale | Aug 23, 2021 · Amount on File |
| Deed Document Number | 20234315 |
| Prior Transfer Date | Nov 5, 2007 |
| Prior Transfer Doc | 0006420974 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Apr 11, 2023 |
| Property Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Document Number | 0000004315 |
| Map Reference | MB 4 PG 1 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023004315 |
| 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 | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Name | Verified Name |
|---|---|
| Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Document Number | 0000004316 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 2023004316 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Aug 23, 2021 |
| Property Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Document Number | 2021010833 |
| Map Reference | MB 4 PG 1 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 2021010833 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| 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 |
|
| Name | Verified Name |
|---|---|
| Address | 73 MAIN ST S, 73, SYLVANIA, AL 35988-2226 |
| Name | Verified Name |
|---|---|
| Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Investor | Possibly a Property Investor |
| Document Number | 2021010834 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021010834 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAKE OKEECHOBEE TITLE CO INC |
| Name | Verified Name |
|---|
| Document Number | 0008120754 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 0812/0754 |
| Instrument | 2018010540 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Jan 24, 2020 |
| Property Address | 181 SW 20TH TER, OKEECHOBEE, FL 34974-3919 |
| Document Number | 0000000833 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 833 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | CLEAR TITLE, CLEAR TITLE & LEGAL SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,197.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 181 SW 20TH TER OKEECHOBEE FL 349743919, OKEECHOBEE, FL 34974-3919 |
| Document Number | 834 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 834 |
| Name | METROPLEX MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33614 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 23, 2050 |
The 2025 property tax bill for 181 SW 20th Ter was $2,011 with a homeowner's exemption.
Source: Okeechobee County assessment roll, as of November 19, 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 | $2,011.00 Homeowner's exemption | $135,161 | $232,334 Land $20,000 Building $212,334 |
| 2023 | $2,695.00 (-12.67%) Homeowner's exemption | $187,801 (+3%) | $226,593 (+24.28%) Land $18,000 Building $208,593 |
| 2022 | $3,086.00 | $182,331 Land $12,000 Building $170,331 | $182,331 Land $12,000 Building $170,331 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 181 SW 20th 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 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 | 7 in force |
| Nearby Flood Claims | 6 (2004–2012) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Aug 2012 · rainfall accumulation |
| Claims by Event |
|
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 181 SW 20th Ter is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 218 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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