3604 SE 20th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3604 SE 20th Ter, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1983
Lot Size	0.346 acres (15,115 sqft)
Owner	Individual Name on File
Last Sale	$104,900 (Sep 2016)
Tax Bill	$872 (2025)
Flood Zone	Zone X (minimal risk)
APN	`1-35-37-35-0020-00000-0570`

Property Details

APN / Parcel Number

Primary APN	`1-35-37-35-0020-00000-0570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Heated Area
Gross Area	2,966 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,115 sqft (0.346 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3604 SE 20TH TER
City	OKEECHOBEE
State	FL
Zip	34974-7047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLOR CREEK ISLES SECTION ONE (PLAT BOOK 3 PAGES 59 & 59A) LOT 57 TOGETHER WITH THAT CERTAIN MANUFACTURED HOME DESCRIBED AS
Legal Range	35E
Legal Township	37S
Legal Section	35
Legal Subdivision	TAYLOR CREEK
Legal Lot Number	57
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2005
Census Tract	910500

Owner

Source: Okeechobee County records · APN 1-35-37-35-0020-00000-0570

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	3604 SE 20TH TER, OKEECHOBEE, FL 34974-7047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2016 · Amount on Record
Deed Sale	Sep 30, 2016 · Amount on Record
Prior Sale	Aug 31, 2000 · Amount on Record
Deed Document Number	2016009150
Deed Book / Page	0780 / 1453
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Okeechobee County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$872.00 (-39.86%) Homeowner's exemption	$104,229 (+5.99%)	$205,582 (+19.4%) Land $77,500 Building $128,082
2023	$1,450.00 (+10.1%) Homeowner's exemption	$98,342 (+2.24%)	$172,173 (+5.48%) Land $52,500 Building $119,673
2022	$1,317.00 Homeowner's exemption	$96,184	$163,229 Land $52,500 Building $110,729

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 16, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 293 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OKEECHOBEE UTILITY AUTHORITY serves 20,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.