1045 Elm St, Okeechobee, FL 34974 Property Records

Glades County property record for 1045 Elm St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1973
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$227,900 (Jul 2024)
Tax Bill	$2,780 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`S36-38-34-004-0000-0170`

Property Details

APN / Parcel Number

Primary APN	`S36-38-34-004-0000-0170`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,120 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,710 sqft (0.177 acres)
View / Lot	Canal
Porch	Screened Porch
Porch Area	1,118 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1045 ELM ST
City	OKEECHOBEE
State	FL
Zip	34974-0250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BUCKHEAD RIDGE PARK REPLAT GC PB 3 PG 29
Legal Range	34
Legal Township	38
Legal Section	36
Legal Subdivision	BUCKHEAD RIDGE PARK
Legal Lot Number	17
Jurisdiction	GLADES FL
Township / Civil Division	NORTHEAST GLADES
Census Block Group	2
Census Block	2007
Census Tract	100

Owner

Source: Glades County records · APN S36-38-34-004-0000-0170

Assessment roll updated November 17, 2025 · Last verified August 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	1045 ELM ST, OKEECHOBEE, FL 34974-0250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Sep 23, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2020	Tax Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 01, 2024 · Amount on Record
Deed Sale	Jul 01, 2024 · Amount on Record
Prior Sale	Sep 23, 2021 · Amount on Record
Deed Document Number	20241832
Deed Book / Page	405 / 278
Prior Transfer Date	Sep 20, 2021
Prior Transfer Doc	0022002966
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLADES FL
Property Address	1045 ELM ST, OKEECHOBEE, FL 34974-0250
Transaction Type	Mortgage
Record Updated	Jan 02, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43819 LONGLEAF LN, PUNTA GORDA, FL 33982-6022

Mortgage

Document Number	0022003589
Date	Dec 06, 2022
Book Page	388/1023
Instrument	202222003589

Lender

Name	FIRST BANK
Type	Bank
Address	CLEWISTON, FL 33440

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 28, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 28, 2025
Change Frequency	3 Years
Min Rate At Change	5.37%
Max Rate At Change	7.37%
Index	3-Year TN
Margin	2
Max Rate	11.3%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLADES FL
Recording Date	Sep 23, 2021
Property Address	1045 ELM ST, OKEECHOBEE, FL 34974-0250
Document Number	0022002966
Book / Page	374 / 556
Map Reference	MB 3 PG 29
Instrument Date	Sep 20, 2021
Instrument	202122002966
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1047 MAYFORD LAKE RD, 1047, MOORE HAVEN, FL 33471-4913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14008 OVIEDO PL, FORT MYERS, FL 33905-5747

December 2020: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	GLADES FL
Recording Date	Dec 11, 2020
Property Address	1045 ELM ST, OKEECHOBEE, FL 34974-0250
Document Number	0022002793
Book / Page	000365 / 000257
Instrument Date	Dec 07, 2020
Instrument	22002793
Transaction Type	Foreclosure
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$119.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1047 MAYFORD LAKE RD MOORE HAVEN FL 334714913, MOORE HAVEN, FL 33471-4913

Tax Assessment & Valuation

Source: Glades County records · Assessment roll updated November 17, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,780.00 (-15.06%)	$192,407 (+3.51%) Land $67,000 Building $125,407	$192,407 (+3.51%) Land $67,000 Building $125,407
2024	$3,273.00 (+11.25%)	$185,882 (+17.9%)	$185,882 (+17.9%) Land $63,617 Building $122,265
2023	$2,942.00 (+9.98%)	$157,656 (+10.37%)	$157,656 (+10.37%) Land $53,014 Building $104,642
2022	$2,675.00	$142,849	$142,849 Land $50,490 Building $92,359

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	17 (2004–2012)
Claims Outside the SFHA	2 of 17
Most Recent Claim	Aug 2012 · Hurricane Isaac
Claims by Event	Hurricane Isaac, Aug 2012 · 3 claims Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Wilma, Oct 2005 · 3 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 50 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OKEECHOBEE UTILITY AUTHORITY serves 20,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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