1115 SE 11th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1115 SE 11th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,139 sqft · built 2020
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Mar 2025)
Tax Bill	$3,661 (2025)
Deeds & Mortgages	May 2020 Loan Modification Sep 2019 Construction Loan + 2 more
Flood Zone	Zone X (moderate risk)
APN	`3-22-37-35-0020-00000-0010`

Property Details

APN / Parcel Number

Primary APN	`3-22-37-35-0020-00000-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,139 sqft Heated Area
Gross Area	3,209 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,572 sqft (0.61 acres)
Porch	Finished/Screened Porch
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1115 SE 11TH ST
City	OKEECHOBEE
State	FL
Zip	34974-5432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AIRI ACRES (PLAT BOOK 7 PAGE 53) LOT 1
Legal Range	35E
Legal Township	37S
Legal Section	22
Legal Subdivision	AIRI ACRES
Legal Lot Number	1
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1029
Census Tract	910500

Owner

1115 SE 11th St is owned and occupied by an individual who bought it in March 2025.

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
Co-owner	Co-owner on File
Mailing Address	1115 SE 11TH ST, OKEECHOBEE, FL 34974-5432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Loan Modification, Mortgage · Conventional with PMI FLAGSTAR BK
Sep 6, 2019	Deed of Trust, Construction Loan · Construction Mortgage GUARANTEED RATE
Sep 17, 2019	Correction Deed ATTORNEY ONLY
May 9, 2019	Warranty Deed, Transfer HOMEPARTNERS TITLE INC, HOMEPARTNERS TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2025 · Amount on File
Deed Sale	Mar 11, 2025 · Amount on File
Prior Sale	May 9, 2019 · Amount on File
Deed Document Number	2025002407
Record Updated	Jun 8, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	1115 SE 11TH ST, OKEECHOBEE, FL 34974-5432
Document Number	0000005971
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1115 SE 11TH ST FORT PIERCE FL 34947, FORT PIERCE, FL 34947

Mortgage

Document Number	0000005971
Date	Jun 26, 2020
Instrument	5971

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2050

Interest

Rate Type	Fixed Rate
Rate	3.6%

September 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 6, 2019
Property Address	1115 SE 11TH ST, OKEECHOBEE, FL 34974-5432
Document Number	0008300667
Book / Page	000830 / 000667
Instrument Date	Aug 21, 2019
Instrument	9328
Transaction Type	Construction Loan
Record Updated	Jul 27, 2020
Title Company	ALLY PARKER BROWN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1115 SE 11TH ST OKEECHOBEE FL 34974, OKEECHOBEE, FL 34974

Mortgage

Document Number	8300667
Date	Sep 6, 2019
Book Page	000830/000667
Instrument	9328

Lender

Name	GUARANTEED RATE
Address	TROY, MI 48098-2639

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

September 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 17, 2019
Property Address	1115 SE 11TH ST, OKEECHOBEE, FL 34974-5432
Document Number	0008301621
Book / Page	000830 / 001621
Instrument Date	Aug 20, 2019
Instrument	9631
Record Updated	Oct 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 162TH CT N PALM BEACH GARDENS FL 33418, PALM BEACH GARDENS, FL 33418

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	May 9, 2019
Property Address	1115 SE 11TH ST, OKEECHOBEE, FL 34974-5432
Document Number	0008241027
Book / Page	000824 / 001027
Instrument Date	Apr 23, 2019
Instrument	4902
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	HOMEPARTNERS TITLE INC, HOMEPARTNERS TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 SE 11TH ST OKEECHOBEE FL 349745377, OKEECHOBEE, FL 34974-5377

Tax Assessment & Valuation

The 2025 property tax bill for 1115 SE 11th St was $3,661 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	$3,661.00 Homeowner's exemption	$229,788	$388,175 Land $60,000 Building $328,175
2023	$4,055.00 (+2.14%) Homeowner's exemption	$216,808 (+3%)	$389,322 (+24.38%) Land $45,000 Building $344,322
2022	$3,970.00 Homeowner's exemption	$210,493	$313,000 Land $27,000 Building $286,000

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

FEMA maps place 1115 SE 11th St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 27 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	8 (1992–2012)
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 4 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

Wildfire risk around 1115 SE 11th St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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