Okeechobee County property record for 392 SW 77th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,893 sqft · built 1979 |
| Lot Size | 5.43 acres (236,531 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Dec 2025) |
| Tax Bill | $9,052 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 1-23-37-34-0010-00041-0000 |
| Primary APN | 1-23-37-34-0010-00041-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,893 sqft Living Area |
| Gross Area | 4,055 sqft |
| 1st Floor Area | 6,453 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 236,531 sqft (5.43 acres) |
| Garage Type | Carport |
| Garage Area | 312 sqft |
| Carport | Carport |
| Carport Area | 312 sqft |
| Pool Area | 278 sqft |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 392 SW 77TH TER |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-1548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAZY SEVEN RANCH ACRES (PLAT BOOK 5 PAGES 10 & 11) LOT 41 |
| Legal Range | 34E |
| Legal Township | 37S |
| Legal Section | 23 |
| Legal Subdivision | LAZY SEVEN RANCH ACRES |
| Legal Lot Number | 41 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 910602 |
392 SW 77th Ter is owned and occupied by two individuals who bought it in December 2025.
Source: Okeechobee County records, as of January 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 5, 2025 | Personal Representative Deed, Transfer INTEGRITY LAND TITLE INC, INTEGRITY LAND TITLE |
| Dec 5, 2025 | Warranty Deed, Transfer · Conventional Mortgage REACH HOME LOANS LLC |
| Aug 31, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage FUNDLOANS CAPITAL |
| May 15, 2023 | Warranty Deed, Transfer · Seller Carry-Back THOMAS W ZIGLAR ETUX |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2025 · Amount on File |
| Deed Sale | Dec 5, 2025 · Amount on File |
| Prior Sale | Dec 5, 2025 · Amount on File |
| Deed Document Number | 202513789 |
| Prior Transfer Date | Aug 24, 2023 |
| Prior Transfer Doc | 0000010265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Dec 5, 2025 |
| Property Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000013787 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 2025013787 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | INTEGRITY LAND TITLE INC, INTEGRITY LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 S CENTRAL BLVD # BLVD202, BLVD202, JUPITER, FL 33458-8812 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Dec 5, 2025 |
| Property Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000013789 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 2025013789 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | INTEGRITY LAND TITLE INC, INTEGRITY LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1213 VICTORY PALM DR, EDGEWATER, FL 32132-2417 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000013790 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 2025013790 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Aug 31, 2023 |
| Property Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000010265 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Aug 24, 2023 |
| Instrument | 2023010265 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3525 S OCEAN BLVD, OKEECHOBEE, FL 34974 |
| Name | Verified Name |
|---|---|
| Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000010266 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 2023010266 |
| Name | FUNDLOANS CAPITAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | May 15, 2023 |
| Property Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000005804 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | May 10, 2023 |
| Instrument | 2023005804 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,679.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6677 NEWELL LOOP, THE VILLAGES, FL 32163-3103 |
| Name | Verified Name |
|---|---|
| Address | 392 SW 77TH TER, OKEECHOBEE, FL 34974-1548 |
| Document Number | 0000005805 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 2023005805 |
| Name | THOMAS W ZIGLAR ETUX |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 9 Months |
| Due | Feb 10, 2024 |
The 2025 property tax bill for 392 SW 77th Ter was $9,052.
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 | $9,052.00 | $607,935 Land $192,900 Building $415,035 | $607,935 Land $192,900 Building $415,035 |
| 2023 | $8,093.00 (+125.31%) | $535,288 (+106.91%) Land $116,600 Building $418,688 | $535,288 (+14.14%) Land $116,600 Building $418,688 |
| 2022 | $3,592.00 Homeowner's exemption | $258,711 | $468,995 Land $116,600 Building $352,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 392 SW 77th Ter in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 92 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 92 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
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 392 SW 77th Ter is moderate, ranking above 63% 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 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
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