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1095 SE 40th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1095 SE 40th Ave, Okeechobee, FL 34974

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,811 sqft · built 2006
Lot Size0.221 acres (9,627 sqft)
Owner2 Individual Names on Record
Tax Bill$2,120 (2025)
Deeds & MortgagesFeb 2020 Line of Credit
Nov 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN1-24-37-35-0010-00040-0040

Property Details

APN / Parcel Number

Primary APN1-24-37-35-0010-00040-0040

Interior

Full Baths2 Baths
Building Area1,811 sqft Heated Area
Gross Area2,457 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,627 sqft (0.221 acres)
Lot Dimensions107 ft deep x 90 ft wide
PorchFinished/Screened Porch
Deck Area320 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address1095 SE 40TH AVE
CityOKEECHOBEE
StateFL
Zip34974-3813
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionA REVISED AND ADDITION TO PLAT OF CONNERS GABLES (PLAT BOOK 3 PAGE 15) ALL OF LOT 4 & THE NORTH 15.00 FEET OF LOT 5 BLOCK 4
Legal Range35E
Legal Township37S
Legal Section24
Legal SubdivisionA REVISED AND ADDITION
Legal Block4
Legal Lot Number4,THE
JurisdictionOKEECHOBEE FL
Township / Civil DivisionOKEECHOBEE
Census Block Group2
Census Block2023
Census Tract910402

Owner

Source: Okeechobee County records, as of December 5, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address1095 SE 40TH AVE, OKEECHOBEE, FL 34974-3813
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 7, 2020Deed of Trust, Mortgage · Line of Credit
BYLINE BK
Nov 25, 2017Deed of Trust, Mortgage · Conventional Mortgage
US SMALL BUSN ADMN
May 17, 2017Warranty Deed, Transfer
CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2019
Deed SaleJul 24, 2019
Prior SaleMay 17, 2017 · Amount on Record
Deed Document Number2019007506
Deed Book / Page0790 / 1579
Record UpdatedJun 8, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1095 SE 40TH AVE, OKEECHOBEE, FL 34974-3813
Document Number0000001556
Instrument DateFeb 7, 2020
Transaction TypeMortgage
Record UpdatedMar 12, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1095 SE 40TH AVE OKEECHOBEE FL 349743813, OKEECHOBEE, FL 34974-3813

Mortgage

Document Number0000001556
DateFeb 12, 2020
Instrument1556
Lender
NameBYLINE BK
Address10 N MARTINGALE RD # 160, SCHAUMBURG, IL 60173-2099
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address1095 SE 40TH AVE, OKEECHOBEE, FL 34974-3813
Document Number0008011648
Book / Page000801 / 001648
Instrument DateNov 25, 2017
Transaction TypeMortgage
Record UpdatedFeb 23, 2018

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1095 SE 40TH AVE OKEECHOBEE FL 349743813, OKEECHOBEE, FL 34974-3813

Mortgage

Document Number0008011648
DateFeb 1, 2018
Book Page000801/001648
Instrument1298
Lender
NameUS SMALL BUSN ADMN
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 31, 2033

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateMay 17, 2017
Property Address1095 SE 40TH AVE, OKEECHOBEE, FL 34974-3813
Document Number0007901579
Book / Page000790 / 001579
Instrument DateMay 16, 2017
Instrument5070
Transaction TypeTransfer
Record UpdatedJun 16, 2017
Title CompanyCLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$875.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address11095 SE 40TH AVE OKEECHOBEE FL 34974, OKEECHOBEE, FL 34974

Mortgage

Document Number7901581
DateMay 17, 2017
Book Page000790/001581
Instrument5071
Lender
NameCENTERSTATE BK/FL
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
AmountAmount Recorded
Term360 Months
DueMay 16, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkeechobee County
Unified School DistrictOkeechobee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,120.00 (-19.85%) Homeowner's exemption$195,222 (+5.99%)$276,673 (+5.57%) Land $31,185 Building $245,488
2023$2,645.00 (+19.09%) Homeowner's exemption$184,194 (+14.56%)$262,085 (+29.01%) Land $24,255 Building $237,830
2022$2,221.00 Homeowner's exemption$160,784$203,155 Land $14,900 Building $188,255

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 in force

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 RiskModerate
above 62% of the US · lower than 63% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemOKEECHOBEE UTILITY AUTHORITY
serves 20,000 people · EPA ID FL4470257
Water SourceSurface water
Last State InspectionJun 2023
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityHaloacetic acids
resolved · Jan 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 112 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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