Okeechobee County property record for 9520 State Rd 78 W, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,823 sqft · built 1975 |
| Lot Size | 0.586 acres (25,526 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $12,000 (Aug 2018) |
| Tax Bill | $1,316 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 1-18-38-35-0A00-00009-A000 |
| Primary APN | 1-18-38-35-0A00-00009-A000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,823 sqft Living Area |
| Gross Area | 2,733 sqft |
| 1st Floor Area | 1,823 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,526 sqft (0.586 acres) |
| Lot Dimensions | 227 ft deep x 90 ft wide |
| Garage Type | Carport |
| Garage Area | 403 sqft |
| Carport | Carport |
| Carport Area | 403 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9520 HIGHWAY 78 W |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMMENCING AT THE NORTHEAST CORNER OF LOT 40, EAGLE BAY SURVEY, ACCORDING TO THE PLAT OF SAID EAGLE BAY SURVEY ON FILE AND OF RECORD IN PLAT BOOK 1, PAGE 31, OKEECHOBEE COUNTY RECORDS, RUN THENCE SOUTH 2100 WEST ALONG THE EAST BOUNDARY LINE OF SAID L |
| Legal Range | 35E |
| Legal Township | 38S |
| Legal Section | 18 |
| Legal Subdivision | COMMENCING AT THE NORTHEAST |
| Legal Lot Number | 40 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 910602 |
9520 State Rd 78 W is owned and occupied by two individuals who bought it in August 2018.
Source: Okeechobee County records, as of November 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9520 HIGHWAY 78 W, OKEECHOBEE, FL 34974 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on File |
| Deed Sale | Aug 9, 2018 · Amount on File |
| Prior Sale | Feb 9, 2009 · Amount on File |
| Deed Document Number | 201810197 |
| Deed Book / Page | 811 / 1838 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 9520 State Rd 78 W was $1,316 with exemptions applied.
Source: Okeechobee County assessment roll, as of November 19, 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 | $1,316.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $103,700 | $195,662 Land $40,757 Building $154,905 |
| 2023 | $1,173.00 (+7.32%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $97,842 (+3%) | $192,420 (+15.4%) Land $37,847 Building $154,573 |
| 2022 | $1,093.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed | $94,992 | $166,745 Land $37,847 Building $128,898 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9520 State Rd 78 W in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 16.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 9520 State Rd 78 W is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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