1009 SW 4th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1009 SW 4th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,303 sqft · built 2019
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Mar 2019)
Tax Bill	$2,789 (2025)
Deeds & Mortgages	Aug 2019 Construction Loan Apr 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-21-37-35-0040-00090-0110`

Property Details

APN / Parcel Number

Primary APN	`3-21-37-35-0040-00090-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,303 sqft Heated Area
Gross Area	1,521 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1009 SW 4TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH OKEECHOBEE (PLAT BOOK 1 PAGE 12 & PLAT BOOK 5 PAGE 7) LOTS 11 & 12 BLOCK 9
Legal Range	35E
Legal Township	37S
Legal Section	21
Legal Subdivision	SOUTH OKEECHOBEE
Legal Block	9
Legal Lot Number	11,12 12
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	4
Census Block	4048
Census Tract	910601

Owner

1009 SW 4th Ave is owned and occupied by an individual who bought it in March 2019.

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 File
Mailing Address	1009 SW 4TH AVE, OKEECHOBEE, FL 34974-5213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Apr 2, 2020	Loan Modification, Mortgage · Conventional Mortgage CENTERSTATE BK NA
Apr 2, 2020	Loan Modification, Mortgage · Conventional with PMI CENTERSTATE BK NA
Mar 1, 2019	Warranty Deed, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Prior Sale	Mar 5, 2008 · Amount on File
Deed Document Number	2019002187
Deed Book / Page	0820 / 1434
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	1009 SW 4TH AVE, OKEECHOBEE, FL 34974-5213
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008291821
Date	Aug 27, 2019
Book Page	0829/1821
Instrument	2019009004

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	1009 SW 4TH AVE, OKEECHOBEE, FL 34974-5213
Document Number	0000003444
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 SW 4TH AVE OKEECHOBEE FL 349745213, OKEECHOBEE, FL 34974-5213

Mortgage

Document Number	0000003444
Date	Apr 3, 2020
Instrument	3444

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	1009 SW 4TH AVE, OKEECHOBEE, FL 34974-5213
Document Number	0000006159
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 SW 4TH AVE OKEECHOBEE FL 349745213, OKEECHOBEE, FL 34974-5213

Mortgage

Document Number	0000006159
Date	Jul 1, 2020
Instrument	6159

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 1, 2019
Property Address	1009 SW 4TH AVE, OKEECHOBEE, FL 34974-5213
Document Number	0008201434
Book / Page	000820 / 001434
Instrument Date	Feb 28, 2019
Instrument	2187
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SW 21ST ST OKEECHOBEE FL 349743414, OKEECHOBEE, FL 34974-3414

Tax Assessment & Valuation

The 2025 property tax bill for 1009 SW 4th Ave was $2,789 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,789.00 Homeowner's exemption	$185,474	$269,104 Land $29,325 Building $239,779
2023	$3,207.00 (+2.76%) Homeowner's exemption	$174,997 (+3%)	$257,893 (+28.82%) Land $22,425 Building $235,468
2022	$3,121.00 Homeowner's exemption	$169,900	$200,197 Land $16,905 Building $183,292

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

Flood

FEMA maps place 1009 SW 4th Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2012–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2018 · other causes

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 1009 SW 4th Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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