8905 SW Otter Trl, Arcadia, FL 34266 Property Records

DeSoto County property record for 8905 SW Otter Trl, Arcadia, FL 34266

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 1,006 sqft · built 1985
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (Jan 2021)
Tax Bill	$1,690 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-38-23-0191-00F0-0120`

Property Details

APN / Parcel Number

Primary APN	`14-38-23-0191-00F0-0120`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,006 sqft Heated Area
Gross Area	1,282 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)

Exterior Amenities

Deck Area	80 sqft
Patio Area	136 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	8905 SW OTTER TRL
City	ARCADIA
State	FL
Zip	34266-8977
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RM
Legal Description	HIDDEN ACRES LOT 12 BLK F SEC 14 INST:201214004030 INST:201914005078 INST:202114000376
Legal Range	23E
Legal Township	38S
Legal Section	14
Legal Subdivision	HIDDEN ACRES
Legal Tract	191
Legal Block	F
Legal Lot Number	12
Jurisdiction	DE SOTO FL
Township / Civil Division	ARCADIA WEST
Census Block Group	1
Census Block	1028
Census Tract	10403

Owner

8905 SW Otter Trl, a mobile home, is owned and occupied by an individual who bought it in January 2021.

Source: DeSoto County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	8905 SW OTTER TRL, ARCADIA, FL 34266-8977
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 9, 2019	Warranty Deed, Transfer · Line of Credit FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2021 · Amount on File
Deed Sale	Jan 19, 2021 · Amount on File
Prior Sale	Aug 9, 2019 · Amount on File
Deed Document Number	202114000376
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE SOTO FL
Recording Date	Jan 19, 2021
Property Address	8905 SW OTTER TRL, ARCADIA, FL 34266-8977
Document Number	0014000376
Instrument Date	Jan 11, 2021
Instrument	202114000376
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	ARCADIA ABSTRACT AND TITLE COMPANY IN, ARCADIA ABSTRACT & TTL CO IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2909 122ND PL E, 2909, PARRISH, FL 34219-1602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8905 SW OTTER TRL, ARCADIA, FL 34266-8977

Mortgage

Document Number	0014000377
Date	Jan 19, 2021
Instrument	202114000377

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE SOTO FL
Recording Date	Aug 9, 2019
Property Address	8905 SW OTTER TRL, ARCADIA, FL 34266-8977
Document Number	0014005078
Instrument Date	Aug 6, 2019
Instrument	14005078
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	ARCADIA ABSTRACT AND TITLE COMPANY IN, ARCADIA ABSTRACT & TITLE CO IN

Transaction

Amount	Amount on Record
Tax	$630.00
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	8905 SW OTTER TRL ARCADIA FL 342668977, ARCADIA, FL 34266-8977

Mortgage

Document Number	14005079
Date	Aug 9, 2019
Instrument	14005079

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	WAUCHULA, FL 33873

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$123,087	$159,064 Land $100,000 Building $59,064
2024	$1,690.00 (+3.49%)
2023	$1,633.00 (-49.46%) Homeowner's exemption	$115,217 (-33.48%)	$151,921 (-12.29%) Land $100,000 Building $51,921
2022	$3,231.00	$173,216 Land $125,000 Building $48,216	$173,216 Land $125,000 Building $48,216

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

Flood

FEMA maps place 8905 SW Otter Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 102 policies
Nearby Flood Policies	102 in force
Nearby Flood Claims	130 (1982–2024)
Claims Outside the SFHA	13 of 130
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 28 claims Hurricane Ian, Sep 2022 · 34 claims Hurricane Irma, Sep 2017 · 15 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

Wildfire risk around 8905 SW Otter Trl is high, ranking above 82% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.7% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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