10186 NE 22nd St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 10186 NE 22nd St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,888 sqft · built 2000
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Dec 2023)
Tax Bill	$4,108 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2022 Reverse Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1-10-37-36-0A00-00002-0520`

Property Details

APN / Parcel Number

Primary APN	`1-10-37-36-0A00-00002-0520`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,888 sqft Heated Area
Gross Area	3,000 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	220 ft deep x 198 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10186 NE 22ND ST
City	OKEECHOBEE
State	FL
Zip	34974-8211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 52, A SPOT IN THE SUN VILLAGE, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF SECTIO
Legal Range	36E
Legal Township	37S
Legal Section	10
Legal Subdivision	A SPOT IN THE SUN
Legal Lot Number	52
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1003
Census Tract	910401

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
Co-owner	Co-owner on Record
Mailing Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC
Jan 3, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 18, 2017	Deed of Trust, Mortgage · FHA Mortgage PEOPLES BANK
Nov 18, 2019	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Jan 31, 2019	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Jul 7, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Deed Document Number	0000014160
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 18, 2023
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Document Number	0000014160
Instrument Date	Dec 18, 2023
Instrument	2023014160
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	OKEETANTIE TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211

Mortgage

Document Number	0000014161
Date	Dec 18, 2023
Instrument	2023014161

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211

Mortgage

Document Number	0000000005
Date	Jan 3, 2022
Instrument	2022000005

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Jan 26, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.51%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.51%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007930984
Date	Jul 18, 2017
Book Page	0793/0984
Instrument	2017007165

Lender

Name	PEOPLES BANK
Type	Bank
Address	OVERLAND PARK, KS 66213

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.48%
Type Change Date	Aug 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Document Number	0000012809
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 NE 22ND ST OKEECHOBEE FL 349748211, OKEECHOBEE, FL 34974-8211

Mortgage

Document Number	0000012809
Date	Dec 19, 2019
Instrument	12809

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Document Number	0008191378
Instrument Date	Jan 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 NE 22ND ST OKEECHOBEE FL 349748211, OKEECHOBEE, FL 34974-8211

Mortgage

Document Number	0008191378
Date	Feb 8, 2019
Book Page	000819/001378
Instrument	1298

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	10186 NE 22ND ST, OKEECHOBEE, FL 34974-8211
Document Number	0007931000
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10186 NE 22ND ST OKEECHOBEE FL 349748211, OKEECHOBEE, FL 34974-8211

Mortgage

Document Number	0007931000
Date	Jul 18, 2017
Book Page	000793/001000
Instrument	7166

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Jul 17, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.48%

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	$4,108.00 (+415.43%) Homeowner's exemption	$340,180 (+393.86%)	$341,220 (+3.41%) Land $40,000 Building $301,220
2023	$797.00 (+11.31%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$68,882 (+3%)	$329,959 (+21.66%) Land $30,000 Building $299,959
2022	$716.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$66,876	$271,224 Land $22,000 Building $249,224

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2004–2005)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2005 · Hurricane Wilma
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 66% of the US · above 43% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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