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9551 State Rd 78 W, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 9551 State Rd 78 W, Okeechobee, FL 34974

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,424 sqft · built 1958
Lot Size2.89 acres (126,193 sqft)
Owner2 Individual Names on Record
Tax Bill$679 (2024)
Deeds & MortgagesJan 2026 Mortgage
Jan 2022 Transfer
+ 3 more
Flood ZoneZone AE (high risk)
APN1-18-38-35-0A00-00007-0000

Property Details

APN / Parcel Number

Primary APN1-18-38-35-0A00-00007-0000

Interior

Full Baths3 Baths
Building Area3,424 sqft Heated Area
Gross Area6,302 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 2005
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area126,193 sqft (2.89 acres)
Lot Dimensions200 ft deep x 226 ft wide
Pool TypeSpa / Hot Tub (No Pool)
PorchOpen Porch
Patio Area1,873 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address9551 STATE ROAD 78 W
CityOKEECHOBEE
StateFL
Zip34974-7709
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE SOUTH 208.7 FEET OF THE EAST 280 FEET OF THE SOUTH HALF OF LOT 35 AND THAT PART OF THE SOUTH 208.7 FEET OF LOT 40 LYING W
Legal Range35E
Legal Township38S
Legal Section18
Legal SubdivisionEAGLE BAY SURV
Legal Lot Number35,THAT
JurisdictionOKEECHOBEE FL
Township / Civil DivisionOKEECHOBEE
Census Block Group1
Census Block1012
Census Tract910602

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 30, 2026Deed of Trust, Mortgage · Commercial Mortgage
NADA INVESTMENTS LLC
Jan 27, 2022Correction Deed
ATTORNEY ONLY, ATTORNEY
Oct 20, 2020Deed of Trust, Mortgage · VA Mortgage
RIVER CTY MTG
Apr 22, 2019Warranty Deed, Transfer · VA Mortgage
LOANDEPOT.COM LLC
Feb 6, 2018Warranty Deed, Transfer
OKEE-TANTIE TITLE COMPANY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2022
Deed SaleJan 26, 2022
Deed Document Number2019004210
Deed Book / Page0823 / 0960
Prior Transfer DateApr 22, 2019
Prior Transfer Doc2019004210
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001063
DateJan 30, 2026
Instrument2026001063
Lender
NameNADA INVESTMENTS LLC
TypeNon-Lending Institution
AddressDALLAS, TX 75207
Agreement
TypeCommercial Mortgage
Term120 Months
DueJan 21, 2036

January 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionOKEECHOBEE FL
Recording DateJan 27, 2022
Property Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
Document Number0000001182
Map ReferenceMB 1 PG 31
Instrument DateJan 26, 2022
Instrument2022001182
Record UpdatedFeb 22, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address202-17605 PLACE DESPRES, 202-17605, BECANCOUR XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
Document Number0000011601
Instrument DateOct 20, 2020
Transaction TypeMortgage
Record UpdatedDec 11, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9551 HWY 78 W OKEECHOBEE FL 34974, OKEECHOBEE, FL 34974

Mortgage

Document Number0000011601
DateNov 23, 2020
Instrument11601
Lender
NameRIVER CTY MTG
TypeMortgage Company
AddressCINCINNATI, OH 45242
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 22, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateApr 22, 2019
Property Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
Document Number0008230960
Book / Page000823 / 000960
Instrument DateApr 15, 2019
Instrument4210
Transaction TypeTransfer
Record UpdatedMay 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address9551 HWY 78 W OKEECHOBEE FL 34974, OKEECHOBEE, FL 34974

Mortgage

Document Number8230961
DateApr 22, 2019
Book Page000823/000961
Instrument4211
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 21, 2049

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateFeb 6, 2018
Property Address9551 STATE ROAD 78 W, OKEECHOBEE, FL 34974-7709
Document Number0008020152
Book / Page000802 / 000152
Instrument DateFeb 5, 2018
Instrument1508
Transaction TypeTransfer
Record UpdatedMar 8, 2018
Title CompanyOKEE-TANTIE TITLE COMPANY INC

Transaction

AmountAmount Recorded
Tax$525.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address57 B J DR CO ROAD 529 SIKESTON MO 63801, SIKESTON, MO 63801

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkeechobee County
Unified School DistrictOkeechobee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$393,016 (+5.99%)$506,536 (+2.75%) Land $93,770 Building $412,766
2024$679.00 (+5.76%)
2023$642.00 (+20.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$370,816 (+3%)$492,989 (+18.44%) Land $84,400 Building $408,589
2022$533.00 Disabled Person's exemption Veteran's exemption$360,016$416,228 Land $84,400 Building $331,828

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation16.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 20 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims19 (2003–2017)
Claims Outside the SFHA5 of 19
Most Recent ClaimSep 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 RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemOKEECHOBEE UTILITY AUTHORITY
serves 20,000 people · EPA ID FL4470257
Water SourceSurface water
Last State InspectionJun 2023
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jan 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 125 locations within half a mile, as of December 31, 2025

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

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