673 State Rd 78 W, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 673 State Rd 78 W, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 1958
Lot Size	0.391 acres (17,032 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Feb 2019)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1-04-38-35-0A00-00012-0000`

Property Details

APN / Parcel Number

Primary APN	`1-04-38-35-0A00-00012-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Heated Area
Gross Area	2,192 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,032 sqft (0.391 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	673 STATE ROAD 78 W
City	OKEECHOBEE
State	FL
Zip	34974-7729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM THE NE CORNER OF SECTION 4, TOWNSHIP 38 SOUTH, RANGE 35 EAST, RUN WEST 2254.4 FEET; THENCE RUN S 011' E TO THE SOUTH RIG
Legal Range	35E
Legal Township	38S
Legal Section	04
Legal Subdivision	THENCE RUN
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1011
Census Tract	910602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	673 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage CROSSCOUNTRY MTG
Feb 25, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on Record
Deed Sale	Feb 25, 2019 · Amount on Record
Prior Sale	Mar 19, 2010 · Amount on Record
Deed Document Number	2019001885
Deed Book / Page	0820 / 0620
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	673 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7729
Document Number	0000000205
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	673 W HWY 78 OKEECHOBEE FL 34974, OKEECHOBEE, FL 34974

Mortgage

Document Number	0000000205
Date	Jan 8, 2021
Instrument	205

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Feb 25, 2019
Property Address	673 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7729
Document Number	0008200620
Book / Page	0820 / 0620
Instrument Date	Feb 21, 2019
Instrument	2019001885
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	LIGHTHOUSE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$861.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	KELLERWEG 52 CH-8055 ZURICH SWITZERLAND, CH-8055, XX 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	673 HIGHWAY, OKEECHOBEE, FL 34974

Mortgage

Document Number	2019001886
Date	Feb 25, 2019
Instrument	2019001886

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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	$1,372.00 (-30.04%) Homeowner's exemption Widower's exemption	$145,717 (+7.87%)	$214,560 (-4.07%) Land $45,505 Building $169,055
2023	$1,961.00 (+8.58%) Homeowner's exemption	$135,088 (+3%)	$223,668 (+16.65%) Land $41,865 Building $181,803
2022	$1,806.00 Homeowner's exemption	$131,153	$191,748 Land $41,865 Building $149,883

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

Flood

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 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 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	19 (2003–2017)
Claims Outside the SFHA	5 of 19
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Wilma, Oct 2005 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Verizon.

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