668 SW 86th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 668 SW 86th Ter, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,571 sqft · built 2008
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$328,000 (Aug 2022)
Tax Bill	$4,188 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0080-00000-0180`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0080-00000-0180`
Alternative APN	`R12237340080000000180`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,571 sqft Living Area
Gross Area	2,127 sqft
1st Floor Area	1,571 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	292 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	668 SW 86TH TER
City	OKEECHOBEE
State	FL
Zip	34974-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ACRES (PLAT BOOK 7 PAGES 59 & 60) LOT 18
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	EDGEWATER ACRES
Legal Lot Number	18
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

Owner

668 SW 86th Ter is owned and occupied by an individual who bought it in August 2022.

Source: Okeechobee County records, as of November 19, 2025

Owner of Record	Individual Name on File
Mailing Address	668 SW 86TH TER, OKEECHOBEE, FL 34974-1534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Date	Document
Aug 10, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 22, 2017	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on File
Deed Sale	Aug 10, 2022 · Amount on File
Prior Sale	Dec 22, 2017 · Amount on File
Deed Document Number	202210893
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	0006321173
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 10, 2022
Property Address	668 SW 86TH TER, OKEECHOBEE, FL 34974-1534
Document Number	0000010893
Map Reference	MB 7 PG 59&60
Instrument Date	Aug 4, 2022
Instrument	2022010893
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	CLEAR TITLE & LEGAL SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6334 SPARKLING WAY, 6334, WESLEY CHAPEL, FL 33545-4845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 SW 86TH TER, OKEECHOBEE, FL 34974-1534

Mortgage

Document Number	0000010894
Date	Aug 10, 2022
Instrument	2022010894

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0000010895
Date	Aug 10, 2022
Instrument	2022010895

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 22, 2017
Property Address	668 SW 86TH TER, OKEECHOBEE, FL 34974-1534
Document Number	0008000070
Book / Page	000800 / 000070
Instrument Date	Dec 11, 2017
Instrument	12386
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	CLEAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1644 BROOKSBEND DR FL, FL

Mortgage

Document Number	8000072
Date	Dec 22, 2017
Book Page	000800/000072
Instrument	12387

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 668 SW 86th Ter was $4,188 with a homeowner's exemption.

Source: Okeechobee County assessment roll, as of November 19, 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	$4,188.00 Homeowner's exemption	$293,883	$294,227 Land $38,000 Building $256,227
2023	$3,771.00 (+96%) Homeowner's exemption	$265,136 (+89.92%) Land $32,000 Building $233,136	$265,136 (+15.52%) Land $32,000 Building $233,136
2022	$1,924.00 Homeowner's exemption	$139,606	$229,511 Land $23,000 Building $206,511

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.

Flood

FEMA maps place 668 SW 86th 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

Wildfire risk around 668 SW 86th Ter is moderate, ranking above 56% 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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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