2438 SE 38th Trl, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 2438 SE 38th Trl, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,396 sqft · built 1976
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Last Sale	$185,500 (Jan 2021)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-35-37-35-0030-00000-3020`

Property Details

APN / Parcel Number

Primary APN	`1-35-37-35-0030-00000-3020`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,396 sqft Heated Area
Gross Area	2,519 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Porch	Enclosed Porch
Patio Area	383 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2438 SE 38TH TRL
City	OKEECHOBEE
State	FL
Zip	34974-7011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLOR CREEK ISLES SECTION TWO (PLAT BOOK 3 PAGE 89) LOT 302
Legal Range	35E
Legal Township	37S
Legal Section	35
Legal Subdivision	TAYLOR CREEK
Legal Lot Number	302
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2004
Census Tract	910500

Owner

2438 SE 38th Trl is owned and occupied by an individual who acquired it in May 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2438 SE 38TH TRL, OKEECHOBEE, FL 34974-7011
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
May 6, 2021	Intrafamily Transfer, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2021 · Amount on File
Deed Sale	Jan 21, 2021 · Amount on File
Prior Sale	Feb 27, 2018
Deed Document Number	0002015872
Deed Book / Page	2797 / 995
Last Transfer Date	May 6, 2021
Transfer Doc	0000005727
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 21, 2021
Property Address	2438 SE 38TH TRL, OKEECHOBEE, FL 34974-7011
Document Number	0002015872
Book / Page	2797 / 995
Map Reference	MB 3 PG 89
Instrument Date	Jan 19, 2021
Instrument	2015872
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 MILLER RD, 514, MOUNTAIN CITY, TN 37683-6167

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2438 SE 38TH TRL, OKEECHOBEE, FL 34974-7011

Mortgage

Document Number	0002797997
Date	Jan 21, 2021
Instrument	2797/997

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	May 6, 2021
Property Address	2438 SE 38TH TRL, OKEECHOBEE, FL 34974-7011
Document Number	0000005727
Map Reference	MB 3 PG 89
Instrument Date	Jan 19, 2021
Instrument	2021005727
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	514 MILLER RD, 514, MOUNTAIN CITY, TN 37683-6167

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2438 SE 38TH TRL, OKEECHOBEE, FL 34974-7011

Mortgage

Document Number	0000005728
Date	May 6, 2021
Instrument	2021005728

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2438 SE 38th Trl was $1,909 with a homeowner's exemption.

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	$1,909.00 Homeowner's exemption	$179,850	$196,041 Land $30,160 Building $165,881
2023	$2,443.00 (+7.34%) Homeowner's exemption	$169,690 (+3%)	$195,408 (+18.61%) Land $20,800 Building $174,608
2022	$2,276.00 Homeowner's exemption	$164,748 Land $20,800 Building $143,948	$164,748 Land $20,800 Building $143,948

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

Flood

FEMA maps place 2438 SE 38th Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	7 (2004–2013)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2013 · other causes
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 2438 SE 38th Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 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

May also be available: T-Mobile.

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