Hardee County property record for 2224 Ralph Smith Rd, Wauchula, FL 33873
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,628 sqft · built 2020 |
| Lot Size | 0.989 acres (43,124 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,668 (2025) |
| Deeds & Mortgages | Dec 2019 Construction Loan Nov 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-34-25-0000-08710-0000 |
| Primary APN | 19-34-25-0000-08710-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,628 sqft Heated Area |
| Gross Area | 2,002 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,124 sqft (0.989 acres) |
| Porch | Open Porch |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2224 RALPH SMITH RD |
|---|---|
| City | WAUCHULA |
| State | FL |
| Zip | 33873-8653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | F-R |
| Legal Description | .99 AC BEG AT NE COR OF NE1/4 OF SE1/4 N 87 DEG 15M 30S W 40 FT THENCE S 1163.32 FT FOR POB CONT S 166.51 FT TO PT ON S LINE |
| Legal Range | 25E |
| Legal Township | 34S |
| Legal Section | 19 |
| Jurisdiction | HARDEE FL |
| Township / Civil Division | WAUCHULA |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970402 |
2224 Ralph Smith Rd is owned and occupied by an individual who acquired it in September 2006.
Source: Hardee County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2224 RALPH SMITH RD, WAUCHULA, FL 33873-8653 |
| 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.
| Date | Document |
|---|---|
| Dec 17, 2019 | Deed of Trust, Mortgage · Construction Mortgage MIDFLORIDA CU |
| Nov 3, 2020 | Loan Modification, Mortgage MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 28, 2006 |
| Transfer Doc | 0000008665 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDEE FL |
| Property Address | 2224 RALPH SMITH RD, WAUCHULA, FL 33873-8653 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0025007302 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 201925007302 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 370 Months |
| Due | Oct 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARDEE FL |
| Property Address | 2224 RALPH SMITH RD, WAUCHULA, FL 33873-8653 |
| Document Number | 0025005977 |
| Instrument Date | Nov 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2224 RALPH SMITH RD WAUCHULA FL 338738653, WAUCHULA, FL 33873-8653 |
| Document Number | 0025005977 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 25005977 |
| Name | MIDFLORIDA CU |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 2224 Ralph Smith Rd was $2,668 with a homeowner's exemption, up 0.3% from the year before.
Source: Hardee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hardee County |
| Unified School District | Hardee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,668.00 (+0.26%) Homeowner's exemption | $202,797 (+2.61%) | $290,792 (+5.61%) Land $33,660 Building $257,132 |
| 2024 | $2,661.00 (+1.29%) Homeowner's exemption | $197,632 (+3%) | $275,355 (+13.84%) Land $28,710 Building $246,645 |
| 2023 | $2,627.00 (+3.22%) Homeowner's exemption | $191,876 (+3%) | $241,889 (+20.28%) Land $28,710 Building $213,179 |
| 2022 | $2,545.00 Homeowner's exemption | $186,287 | $201,110 Land $19,800 Building $181,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2224 Ralph Smith Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 26, 2016 · 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 10 (0% premium discount) |
| Nearby Flood Policies | 5 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 risk around 2224 Ralph Smith Rd is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Rapid Systems Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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