773 Stephens Rd, Wauchula, FL 33873 Property Records

Hardee County property record for 773 Stephens Rd, Wauchula, FL 33873

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,588 sqft · built 2020
Lot Size	37.5 acres (1,633,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jun 2019)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Second Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`35-33-26-0000-00660-0000`

Property Details

APN / Parcel Number

Primary APN	`35-33-26-0000-00660-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,588 sqft Heated Area
Gross Area	3,302 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,633,500 sqft (37.5 acres)
Porch	Open Porch
Deck Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	773 STEPHENS RD
City	WAUCHULA
State	FL
Zip	33873-4452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	37.50 AC COM AT SE CORNER OF W1/2 OF NE1/4 OF SW1/4 RUN N 00 05' 50" W 720 FT FOR POB THENCE N 00 05' 50" W 260.60 FT THEN S
Legal Range	26E
Legal Township	33S
Legal Section	35
Jurisdiction	HARDEE FL
Township / Civil Division	ZOLFO SPRINGS
Census Block Group	1
Census Block	1048
Census Tract	970101

Owner

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	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Aug 26, 2019	Trustee's Deed, Construction Loan · Line of Credit WAUCHULA ST BK
Jun 24, 2019	Warranty Deed, Transfer · Line of Credit WAUCHULA ST BK
Nov 19, 2018	Warranty Deed, Transfer · Line of Credit WAUCHULA ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Nov 19, 2018 · Amount on Record
Deed Document Number	201900003697
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDEE FL
Property Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452

Mortgage

Document Number	0025005974
Date	Oct 30, 2025
Instrument	202525005974

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDEE FL
Property Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025002250
Date	Apr 18, 2024
Instrument	202425002250

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HARDEE FL
Recording Date	Aug 26, 2019
Property Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Instrument Date	Aug 23, 2019
Instrument	25005044
Transaction Type	Construction Loan
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2578 HEARD BRIDGE RD WAUCHULA FL 338732388, WAUCHULA, FL 33873-2388

Mortgage

Document Number	0025005044
Date	Aug 26, 2019
Instrument	25005044

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WAUCHULA, FL 33873-0248

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEE FL
Recording Date	Jun 24, 2019
Property Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Document Number	0025003697
Instrument Date	Jun 17, 2019
Instrument	25003697
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2578 HEARD BRIDGE RD WAUCHULA FL 338732388, WAUCHULA, FL 33873-2388

Mortgage

Document Number	25003698
Date	Jun 24, 2019
Instrument	25003698

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WAUCHULA, FL 33873-0248

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 23, 2024

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEE FL
Recording Date	Nov 19, 2018
Property Address	773 STEPHENS RD, WAUCHULA, FL 33873-4452
Document Number	0025007166
Instrument Date	Nov 16, 2018
Instrument	25007166
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1899 WAUCHULA FL 338731899, WAUCHULA, FL 33873-1899

Mortgage

Document Number	25007167
Date	Nov 19, 2018
Instrument	25007167

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	WAUCHULA, FL 33873-0248

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 18, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hardee County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hardee County
Unified School District	Hardee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,941.00 (+28.37%) Homeowner's exemption	$223,189 (+30.56%) Land $15,330 Building $207,859	$535,647 (+31.04%)
2024	$2,291.00 (+1.55%) Homeowner's exemption	$170,951 (+2.9%) Land $13,830 Building $157,121	$408,773 (+12.58%)
2023	$2,256.00 (-6.74%) Homeowner's exemption	$166,127 (-6.47%) Land $13,830 Building $152,297	$363,103 (+8.74%)
2022	$2,419.00 Homeowner's exemption	$177,622 Land $12,830 Building $164,792	$333,917

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 May 26, 2016 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

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