Okeechobee County property record for 476 SW 77th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,990 sqft · built 1979 |
| Lot Size | 5.42 acres (236,531 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Nov 2023) |
| Tax Bill | $6,072 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 1-23-37-34-0010-00042-0000 |
| Primary APN | 1-23-37-34-0010-00042-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,990 sqft Heated Area |
| Gross Area | 3,708 sqft |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 236,531 sqft (5.42 acres) |
| Pool Area | 400 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 476 SW 77TH TER |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-1550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAZY SEVEN RANCH ACRES (PLAT BOOK 5 PAGES 10 & 11) LOT 42 |
| Legal Range | 34E |
| Legal Township | 37S |
| Legal Section | 23 |
| Legal Subdivision | LAZY SEVEN RANCH ACRES |
| Legal Lot Number | 42 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 910602 |
476 SW 77th Ter is owned and occupied by an individual who bought it in November 2023.
Source: Okeechobee County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| 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 |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage REACH HOME LOANS LLC |
| Nov 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage REACH HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2023 · Amount on File |
| Deed Sale | Nov 13, 2023 · Amount on File |
| Deed Document Number | 2023012869 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| Document Number | 0000010963 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 2025010963 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33432 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Nov 13, 2023 |
| Property Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| Document Number | 0000012869 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Nov 9, 2023 |
| Instrument | 2023012869 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,025.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| Name | Verified Name |
|---|---|
| Address | 476 SW 77TH TER, OKEECHOBEE, FL 34974-1550 |
| Document Number | 0000012870 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 2023012870 |
| Name | REACH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
The 2025 property tax bill for 476 SW 77th Ter was $6,072 with a homeowner's exemption.
Source: Okeechobee County assessment roll, as of July 1, 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 | $6,072.00 Homeowner's exemption | $483,441 | $498,002 Land $186,900 Building $311,102 |
| 2023 | $2,886.00 (+6.53%) Homeowner's exemption | $201,528 (+3%) | $423,462 (+9.29%) Land $112,600 Building $310,862 |
| 2022 | $2,709.00 Homeowner's exemption | $195,658 | $387,475 Land $112,600 Building $274,875 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 476 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 476 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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