981 NW 39th Cir, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 981 NW 39th Cir, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,896 sqft · built 1972
Lot Size	0.544 acres (23,697 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (Jan 2020)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone A (high risk)
APN	`1-04-37-35-0020-00000-0660`

Property Details

APN / Parcel Number

Primary APN	`1-04-37-35-0020-00000-0660`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	1,896 sqft Heated Area
Gross Area	2,286 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,697 sqft (0.544 acres)
Lot Dimensions	237 ft deep x 100 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	981 NW 39TH CIR
City	OKEECHOBEE
State	FL
Zip	34972-1767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES HEIGHTS (PLAT BOOK 3 PAGE 46) LOT 66
Legal Range	35E
Legal Township	37S
Legal Section	04
Legal Subdivision	WHISPERING PINES HEIGHTS
Legal Lot Number	66
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1019
Census Tract	910201

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 Record	Individual Name on Record
Mailing Address	981 NW 39TH CIR, OKEECHOBEE, FL 34972-1767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG
Apr 1, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Apr 1, 2019 · Amount on Record
Deed Document Number	2020001055
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 30, 2020
Property Address	981 NW 39TH CIR, OKEECHOBEE, FL 34972-1767
Document Number	0000001055
Instrument Date	Jan 29, 2020
Instrument	1055
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 NW 39TH CIR OKEECHOBEE FL 349721767, OKEECHOBEE, FL 34972-1767

Mortgage

Document Number	1056
Date	Jan 30, 2020
Instrument	1056

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 1, 2019
Property Address	981 NW 39TH CIR, OKEECHOBEE, FL 34972-1767
Document Number	0008220579
Book / Page	000822 / 000579
Instrument Date	Apr 1, 2019
Instrument	3374
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3747 NW 31ST AVE OKEECHOBEE FL 349721342, OKEECHOBEE, FL 34972-1342

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,203.00 (-9.65%)	$237,835 (+0.46%) Land $17,440 Building $220,395	$237,835 (+0.46%) Land $17,440 Building $220,395
2023	$3,545.00 (+14.87%)	$236,745 (+20.71%) Land $16,350 Building $220,395	$236,745 (+20.71%) Land $16,350 Building $220,395
2022	$3,086.00	$196,120 Land $16,350 Building $179,770	$196,120 Land $16,350 Building $179,770

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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 137 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	137 in force
Nearby Flood Claims	52 (2004–2021)
Claims Outside the SFHA	3 of 52
Most Recent Claim	Feb 2021 · rainfall accumulation
Claims by Event	Tropical Storm Fay, Aug 2008 · 15 claims Hurricane Wilma, Oct 2005 · 9 claims Hurricane Frances, Sep 2004 · 11 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 Risk	Moderate above 55% of the US · lower than 73% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on NW 39th Cir

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