577 Stephens Rd, Wauchula, FL 33873 Property Records

Hardee County property record for 577 Stephens Rd, Wauchula, FL 33873 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2021
Square Footage	1,200 sqft Heated Area
Lot Size	217,800 sqft (5 acres)
Occupancy	Owner Occupied
Last Sale	$75,000 (2020)
Tax Bill	$2,246.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`35-33-26-0000-01150-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,200 sqft Heated Area
Gross Area	1,235 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2021
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	217,800 sqft (5 acres)
Porch	Open Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	577 STEPHENS RD
City	WAUCHULA
State	FL
Zip	33873-4452
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	5.00 AC (LOT 3 OF UNRECORDED EDGEWOOD ACRES) DESC'D AS FOLLOWS; COM NE COR OF E1/3 OF NW1/4 OF SE1/4 OF SW1/4 OF SEC 35 THENC
Legal Range	26E
Legal Township	33S
Legal Section	35
Legal Lot Number	3
Jurisdiction	HARDEE FL
Minor Civil Division	ZOLFO SPRINGS
Census Blockgroup	1
Census Block	1048
Census Tract	970101

Owner

Source: Hardee County records · APN 35-33-26-0000-01150-0000

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	2 Individual Names on File
Mailing Address	577 STEPHENS RD, WAUCHULA, FL 33873-4452
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WAUCHULA
Apr 21, 2020	Warranty Deed, Transfer · Conventional Mortgage JOHN H ONEAL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Deed Doc Number	202025002136
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDEE FL
Property Address	577 STEPHENS RD, WAUCHULA, FL 33873-4452
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5755 59TH ST N, SAINT PETERSBURG, FL 33709-1930

Mortgage

Document Number	0025000143
Date	Jan 12, 2021
Instrument	202125000143

Lender

Name	FIRST NATIONAL BANK OF WAUCHULA
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	372 Months
Due	Jan 05, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.34%
Type Change Date	Jan 05, 2025
Change Frequency	3 Years
Min Rate At Change	4.34%
Max Rate At Change	3.75%
Index	3-Year CMT
Max Rate	10.3%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEE FL
Recording Date	Apr 21, 2020
Property Address	577 STEPHENS RD, WAUCHULA, FL 33873-4452
Document Number	0025002136
Instrument Date	Apr 20, 2020
Instrument	25002136
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	5755 59TH ST N ST PETERSBURG FL 337091930, ST PETERSBURG, FL 33709-1930

Mortgage

Document Number	25002137
Date	Apr 21, 2020
Instrument	25002137

Lender

Name	JOHN H ONEAL
Address	PO BOX 1207, WAUCHULA, FL 33873-1207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Hardee County
Unified School District	Hardee 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	$2,246.00 (+0.81%) Homeowner's exemption	$171,144 (+2.88%) Land $21,000 Building $150,144	$275,464 (+4.83%)
2024	$2,228.00 (+1.74%) Homeowner's exemption	$166,349 (+2.98%) Land $20,000 Building $146,349	$262,771 (+21.35%)
2023	$2,190.00 (-24.09%) Homeowner's exemption	$161,533 (-12.47%) Land $15,000 Building $146,533	$216,533 (+17.33%)
2022	$2,885.00	$184,556 Land $60,000 Building $124,556	$184,556 Land $60,000 Building $124,556

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hardee County (12049C), updated May 26, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	High above 72% of the US · above 54% of Florida
Wildfire Likelihood	About 1 in 294 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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