Hardee County property record for 490 River Ln, Wauchula, FL 33873
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,844 sqft · built 1979 |
| Lot Size | 1.05 acres (45,869 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Aug 2002) |
| Tax Bill | $2,032 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 11-34-25-0844-00001-0009 |
| Primary APN | 11-34-25-0844-00001-0009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,844 sqft Heated Area |
| Gross Area | 2,738 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,869 sqft (1.05 acres) |
| Lot Dimensions | 510 ft deep x 90 ft wide |
| Garage Area | 520 sqft |
| Driveway | Driveway |
| Driveway Area | 544 sqft |
| Pool Type | Vinyl-Lined Pool |
|---|---|
| Pool Area | 280 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 374 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 490 RIVER LN |
|---|---|
| City | WAUCHULA |
| State | FL |
| Zip | 33873-9602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | F-R |
| Legal Description | 1.05 AC COM NE COR OF LOT 9 RUN S ALONG W/LY R/W LINE A DIST OF 20 FT TO POB CONT S ALONG R/W LINE 100 FT THENCE N 82 DEG W 5 |
| Legal Range | 25E |
| Legal Township | 34S |
| Legal Section | 11 |
| Legal Subdivision | RIVER ACRES SUBD |
| Legal Lot Number | 9 1 |
| Jurisdiction | HARDEE FL |
| Township / Civil Division | ZOLFO SPRINGS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 970101 |
Source: Hardee County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 490 RIVER LN, WAUCHULA, FL 33873-9602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESID'L MTG |
| Dec 30, 2018 | Loan Modification, Mortgage · Conventional Mortgage FIRST NAT'L BK/WAUCHULA |
| Jul 3, 2018 | Loan Modification, Mortgage · Conventional Mortgage FIRST NAT'L BK/WAUCHULA |
| Dec 15, 2017 | Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WAUCHULA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2002 · Amount on Record |
| Deed Sale | Aug 16, 2002 · Amount on Record |
| Deed Document Number | 0000631376 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDEE FL |
| Property Address | 490 RIVER LN, WAUCHULA, FL 33873-9602 |
| Document Number | 0025006400 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 490 RIVER LN WAUCHULA FL 338739602, WAUCHULA, FL 33873-9602 |
| Document Number | 0025006400 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 25006400 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 22, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARDEE FL |
| Property Address | 490 RIVER LN, WAUCHULA, FL 33873-9602 |
| Document Number | 0025000762 |
| Instrument Date | Dec 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1893 WAUCHULA FL 338731893, WAUCHULA, FL 33873-1893 |
| Document Number | 0025000762 |
|---|---|
| Date | Feb 6, 2019 |
| Instrument | 25000762 |
| Name | FIRST NAT'L BK/WAUCHULA |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 5, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARDEE FL |
| Property Address | 490 RIVER LN, WAUCHULA, FL 33873-9602 |
| Document Number | 0025004658 |
| Instrument Date | Jul 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 1893 WAUCHULA FL 338731893, WAUCHULA, FL 33873-1893 |
| Document Number | 0025004658 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 25004658 |
| Name | FIRST NAT'L BK/WAUCHULA |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARDEE FL |
| Recording Date | Dec 15, 2017 |
| Property Address | 490 RIVER LN, WAUCHULA, FL 33873-9602 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 25007457 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1893 WAUCHULA FL 338731893, WAUCHULA, FL 33873-1893 |
| Document Number | 0025007457 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 25007457 |
| Name | FIRST NAT'L BK/WAUCHULA |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 14, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: Hardee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hardee County |
| Unified School District | Hardee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,032.00 (+0.99%) Homeowner's exemption | $155,165 (+2.9%) | $309,013 (+9.74%) Land $35,802 Building $273,211 |
| 2024 | $2,012.00 (+2.03%) Homeowner's exemption | $150,792 (+3%) | $281,578 (+13.21%) Land $23,868 Building $257,710 |
| 2023 | $1,972.00 (+3.63%) Homeowner's exemption | $146,400 (+3%) | $248,712 (+14.17%) Land $23,868 Building $224,844 |
| 2022 | $1,903.00 Homeowner's exemption | $142,136 | $217,851 Land $23,868 Building $193,983 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 15 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 14 (1998–2022) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Rapid Systems Fixed Wireless | 100 / 20 |
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