Okeechobee County property record for 115 NW 138th St, Okeechobee, FL 34972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,511 sqft · built 2000 |
| Lot Size | 1.13 acres (49,571 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,081 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Jan 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 1-03-36-35-0010-00080-0010 |
| Primary APN | 1-03-36-35-0010-00080-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,511 sqft Living Area |
| Gross Area | 2,301 sqft |
| 1st Floor Area | 1,511 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 49,571 sqft (1.13 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Porch | Florida Room |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 NW 138TH ST |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34972-8338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTHWOOD SECTION ONE (PLAT BOOK 3 PAGE 48) LOTS 1 & 2 BLOCK 8 AND A PARCEL OF LAND IN THE NORTHWEST 1/4 OF SECTION 4, TOWNSHIP 36 SOUTH, RANGE 35 EAST ADJOINING LOT 1, BLOCK 8, NORTHWOOD SECTION ONE, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BO |
| Legal Range | 35E |
| Legal Township | 36S |
| Legal Section | 03 |
| Legal Subdivision | NORTHWOOD SECTION ONE |
| Legal Block | 8 |
| Legal Lot Number | 1,2 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | NORTH OKEECHOBEE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 910101 |
115 NW 138th St is owned and occupied by two individuals who acquired it in April 2024.
Source: Okeechobee County records, as of November 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 NW 138TH ST, OKEECHOBEE, FL 34972-8338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 12, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 20, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 2, 2024 |
| Transfer Doc | 0000003648 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 115 NW 138TH ST, OKEECHOBEE, FL 34972-8338 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 NW 138TH ST, OKEECHOBEE, FL 34972-8338 |
| Document Number | 0000005671 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 2023005671 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 2, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Jan 20, 2022 |
| Property Address | 115 NW 138TH ST, OKEECHOBEE, FL 34972-8338 |
| Document Number | 0000000874 |
| Map Reference | MB 3 PG 48 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022000874 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2551 NW 4TH ST, 2551, OKEECHOBEE, FL 34972-2334 |
| Name | Verified Name |
|---|---|
| Address | 115 NW 138TH ST, OKEECHOBEE, FL 34972-8338 |
| Document Number | 0000000875 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2022000875 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 115 NW 138th St was $2,081.
Source: Okeechobee County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,081.00 | $140,239 | $310,131 Land $61,650 Building $248,481 |
| 2023 | $1,923.00 (+8.77%) Homeowner's exemption | $132,317 (+3%) | $300,275 (+20.41%) Land $53,712 Building $246,563 |
| 2022 | $1,768.00 Homeowner's exemption | $128,463 | $249,372 Land $36,024 Building $213,348 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 NW 138th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 16, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 34 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 12 (2004–2008) |
| Most Recent Claim | Aug 2008 · Tropical Storm Fay |
| Claims by Event |
|
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 risk around 115 NW 138th St is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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