28260 NE 65th Ter, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 28260 NE 65th Ter, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,916 sqft · built 1979
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2016)
Tax Bill	$5,535 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`1-20-34-36-0A00-00003-0240`

Property Details

APN / Parcel Number

Primary APN	`1-20-34-36-0A00-00003-0240`
Alternative APN	`R12034360A00000030240`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,916 sqft Living Area
Gross Area	3,199 sqft
1st Floor Area	2,811 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	768 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28260 NE 65TH TER
City	OKEECHOBEE
State	FL
Zip	34972-0344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF NE 1/4 OF SW 1/4 OF NW 1/4 20 34S 36E 5 ACRES
Legal Range	36E
Legal Township	34S
Legal Section	20
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	1
Census Block	1000
Census Tract	910101

Owner

Source: Okeechobee County records, as of November 19, 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
Mailing Address	28260 NE 65TH TER, OKEECHOBEE, FL 34972-0344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2016 · Amount on Record
Deed Sale	Oct 10, 2016 · Amount on Record
Prior Sale	Aug 28, 2003
Deed Document Number	20169308
Deed Book / Page	780 / 1943
Prior Transfer Date	Apr 4, 2013
Prior Transfer Doc	0007330049
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	28260 NE 65TH TER, OKEECHOBEE, FL 34972-0344
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28260 NE 65TH TER, OKEECHOBEE, FL 34972-0344

Mortgage

Document Number	0000000980
Date	Jan 25, 2022
Instrument	2022000980

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of November 19, 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	$5,535.00 (+25.11%) Homeowner's exemption	$392,092 (+15.91%) Land $168,000 Building $224,092	$392,092 (+15.91%) Land $168,000 Building $224,092
2023	$4,424.00 (+25.15%)	$338,273 (+40.42%) Land $102,000 Building $236,273	$338,273 (+40.42%) Land $102,000 Building $236,273
2022	$3,535.00	$240,898 Land $54,000 Building $186,898	$240,898 Land $54,000 Building $186,898

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 53 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	8 (2004–2024)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 3 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 81% of the US · above 71% of Florida
Wildfire Likelihood	0.5% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3