523 SE 37th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 523 SE 37th Ter, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 2009
Lot Size	0.183 acres (8,015 sqft)
Owner	2 Individual Names on File
Last Sale	$112,900 (Nov 2010)
Tax Bill	$765 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1-24-37-35-0010-00230-0050`

Property Details

APN / Parcel Number

Primary APN	`1-24-37-35-0010-00230-0050`

Interior

Full Baths	2 Baths
Building Area	1,248 sqft Heated Area
Gross Area	1,814 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,015 sqft (0.183 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	523 SE 37TH TER
City	OKEECHOBEE
State	FL
Zip	34974-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A REVISED AND ADDITION TO PLAT OF CONNERS GABLES (PLAT BOOK 3 PAGE 15) LOT 5 BLOCK 23
Legal Range	35E
Legal Township	37S
Legal Section	24
Legal Subdivision	A REVISED AND ADDITION
Legal Block	23
Legal Lot Number	5 6
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2015
Census Tract	910402

Owner

523 SE 37th Ter is owned and occupied by two individuals who bought it in November 2010.

Source: Okeechobee County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	523 SE 37TH TER, OKEECHOBEE, FL 34974-3712
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2010 · Amount on File
Deed Sale	Nov 15, 2010 · Amount on File
Prior Sale	Feb 14, 2005 · Amount on File
Deed Document Number	2010012282
Deed Book / Page	0693 / 1728
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	523 SE 37TH TER, OKEECHOBEE, FL 34974-3712
Document Number	0000003871
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 SE 37TH TER OKEECHOBEE FL 349743712, OKEECHOBEE, FL 34974-3712

Mortgage

Document Number	0000003871
Date	Apr 22, 2020
Instrument	3871

Lender

Name	PNC BK
Type	Bank
Address	OKEECHOBEE, FL 34974

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 523 SE 37th Ter was $765 with a homeowner's exemption.

Source: Okeechobee County assessment roll, as of July 1, 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	$765.00 Homeowner's exemption	$96,425	$212,225 Land $29,025 Building $183,200
2023	$1,347.00 (+11.6%) Homeowner's exemption	$90,978 (+3%)	$202,020 (+18.82%) Land $22,575 Building $179,445
2022	$1,207.00 Homeowner's exemption	$88,328	$170,027 Land $13,868 Building $156,159

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

Flood

FEMA maps place 523 SE 37th Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

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

Wildfire risk around 523 SE 37th Ter is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OKEECHOBEE UTILITY AUTHORITY serves 20,000 people · EPA ID FL4470257
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20