972 SE 39th Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 972 SE 39th Ter, Okeechobee, FL 34974 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 2022
Lot Size	0.206 acres (8,973 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (May 2026)
Tax Bill	$4,649 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-24-37-35-0010-00030-0090`

Property Details

APN / Parcel Number

Primary APN	`1-24-37-35-0010-00030-0090`
Alternative APN	`R12437350010000300090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,972 sqft Living Area
Gross Area	2,743 sqft
1st Floor Area	1,972 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	107 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	482 sqft
Porch	Finished/Open Porch
Patio Area	262 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	972 SE 39TH TER
City	OKEECHOBEE
State	FL
Zip	34974-3810
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) LOT 10 LESS THE NORTH 66.00 FEET THEREOF & ALL OF LOT 9 BLOCK 3
Legal Range	35E
Legal Township	37S
Legal Section	24
Legal Subdivision	CONNERS GABLES
Legal Block	3
Legal Lot Number	10
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2022
Census Tract	910402

Owner

Source: Okeechobee County records · APN 1-24-37-35-0010-00030-0090

Assessment roll updated November 19, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	956 SE 39TH TER, OKEECHOBEE, FL 34974-3810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Warranty Deed, Transfer OKEE TANTIE TITLE COMPANY, OKEE TANTIE TITLE
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 07, 2022	Warranty Deed, Transfer · FHA Mortgage DELMAR FINANCIAL CO
Dec 10, 2020	Warranty Deed, Transfer TITLE TRUST SERVICES LLC, TITLE TR SVCS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Nov 07, 2022 · Amount on Record
Deed Document Number	20265727
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	May 20, 2026
Property Address	972 SE 39TH TER, OKEECHOBEE, FL 34974-3810
Document Number	0000005727
Instrument Date	May 20, 2026
Instrument	20265727
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	OKEE TANTIE TITLE COMPANY, OKEE TANTIE TITLE

Transaction

Amount	Amount Recorded
Tax	$261,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 20, 2026
Property Address	972 SE 39TH TER, OKEECHOBEE, FL 34974-3810
Document Number	0000004388
Instrument Date	Apr 15, 2026
Instrument	20264388
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004388,
Date	Apr 20, 2026
Instrument	20264388

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jan 01, 2053

Interest

Rate	6.22%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 07, 2022
Property Address	972 SE 39TH TER, OKEECHOBEE, FL 34974-3810
Document Number	0000014576
Map Reference	MB 3 PG 15
Instrument Date	Nov 04, 2022
Instrument	2022014576
Transaction Type	Transfer
Record Updated	Dec 08, 2022
Title Company	TRIDENT TITLE LLC, TRIDENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4139 LAKE TAHOE CIR, 4139, WEST PALM BCH, FL 33409-7876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 SE 39TH TER, OKEECHOBEE, FL 34974-3810

Mortgage

Document Number	0000014577
Date	Nov 07, 2022
Instrument	2022014577

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 10, 2020
Property Address	972 SE 39TH TER, OKEECHOBEE, FL 34974-3810
Document Number	0000012146
Instrument Date	Dec 08, 2020
Instrument	12146
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	TITLE TRUST SERVICES LLC, TITLE TR SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$238.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4817 VICTORIA CIR WEST PALM BEACH FL 334097838, WEST PALM BEACH, FL 33409-7838

Tax Assessment & Valuation

Source: Okeechobee County records · Assessment roll updated November 19, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,649.00 (+1.68%) Homeowner's exemption	$327,498 (+1.5%)	$333,395 (+3.33%) Land $32,508 Building $300,887
2023	$4,572.00 (+1,568.61%) Homeowner's exemption	$322,657 (+1,977.37%) Land $25,284 Building $297,373	$322,657 (+1,977.37%) Land $25,284 Building $297,373
2022	$274.00	$15,532 Land $15,532	$15,532 Land $15,532

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okeechobee County (12093C), updated July 16, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120939104022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 403 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 112 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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