Okeechobee County property record for 815 SE 38th Ter, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,201 sqft · built 2006 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Dec 2019) |
| Tax Bill | $2,475 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-24-37-35-0010-00140-0010 |
| Primary APN | 1-24-37-35-0010-00140-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,201 sqft Heated Area |
| Gross Area | 3,143 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 107 ft deep x 94 ft wide |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 815 SE 38TH TER |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-3715 |
| 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) ALL OF LOT 1 & THE NORTH 19.00 FEET OF LOT 2 BLOCK 14 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 24 |
| Legal Subdivision | A REVISED AND ADDITION |
| Legal Block | 14 |
| Legal Lot Number | 1,THE |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 910402 |
815 SE 38th Ter is owned and occupied by two individuals who bought it in December 2019.
Source: Okeechobee County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 SE 38TH TER, OKEECHOBEE, FL 34974-3715 |
| 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.
| Date | Document |
|---|---|
| Apr 3, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Dec 13, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on File |
| Deed Sale | Dec 13, 2019 · Amount on File |
| Prior Sale | Sep 5, 2006 · Amount on File |
| Deed Document Number | 2019012661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 815 SE 38TH TER, OKEECHOBEE, FL 34974-3715 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 815 SE 38TH TER, OKEECHOBEE, FL 34974-3715 |
| Document Number | 0000003642 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024003642 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2100 E ELLIOT RD # 94, TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 309 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Dec 13, 2019 |
| Property Address | 815 SE 38TH TER, OKEECHOBEE, FL 34974-3715 |
| Document Number | 0000012661 |
| Instrument Date | Dec 9, 2019 |
| Instrument | 12661 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2020 |
| Title Company | AXIS TITLE COMPANY INC, AXIS TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 815 SE 38TH TER OKEECHOBEE FL 349743715, OKEECHOBEE, FL 34974-3715 |
| Document Number | 12662 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 12662 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 12, 2049 |
The 2025 property tax bill for 815 SE 38th Ter was $2,475 with a homeowner's exemption.
Source: Okeechobee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,475.00 Homeowner's exemption | $221,165 | $290,028 Land $36,378 Building $253,650 |
| 2023 | $2,985.00 (+6.38%) Homeowner's exemption | $208,672 (+3%) | $273,772 (+16.93%) Land $28,294 Building $245,478 |
| 2022 | $2,806.00 Homeowner's exemption | $202,594 | $234,133 Land $17,381 Building $216,752 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 SE 38th 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 risk around 815 SE 38th Ter is moderate, ranking above 62% 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 62% of the US · lower than 63% 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.
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 |
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.
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 |
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