12396 SE 56th Cir, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 12396 SE 56th Cir, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,811 sqft
Lot Size	10.1 acres (441,263 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,506 (2025)
Deeds & Mortgages	Nov 2021 Construction Loan Nov 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`1-01-38-36-0020-00000-0010`

Property Details

APN / Parcel Number

Primary APN	`1-01-38-36-0020-00000-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,811 sqft Heated Area
Gross Area	1,999 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	441,263 sqft (10.1 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	12396 SE 56TH CIR
City	OKEECHOBEE
State	FL
Zip	34974-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNCREEK RANCH (PLAT BOOK 7 PAGES 17 THROUGH 24) PARCEL 1
Legal Range	36E
Legal Township	38S
Legal Section	01
Legal Subdivision	SUNCREEK
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1029
Census Tract	910401

Owner

12396 SE 56th Cir is owned and occupied by two individuals who acquired it in August 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	12396 SE 56TH CIR, OKEECHOBEE, FL 34974-1926
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Nov 4, 2020	Warranty Deed, Transfer GRASS LAND HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022
Deed Sale	Aug 30, 2022
Prior Sale	Mar 19, 2014
Deed Document Number	2020010777
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	2020010777
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	12396 SE 56TH CIR, OKEECHOBEE, FL 34974-1926
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11613 COUNTY ROAD 721, OKEECHOBEE, FL 34974-0323

Mortgage

Document Number	0000014562
Date	Nov 15, 2021
Instrument	2021014562

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 4, 2020
Property Address	12396 SE 56TH CIR, OKEECHOBEE, FL 34974-1926
Document Number	0000010777
Instrument Date	Oct 30, 2020
Instrument	10777
Transaction Type	Transfer
Record Updated	Dec 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
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	11613 COUNTY ROAD 721 OKEECHOBEE FL 349740323, OKEECHOBEE, FL 34974-0323

Mortgage

Document Number	10778
Date	Nov 4, 2020
Instrument	10778

Lender

Name	GRASS LAND HOLDINGS LLC
Address	1711 WORTHINGTON RD # 101, WEST PALM BEACH, FL 33409-6455

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12396 SE 56th Cir was $4,506 with a homeowner's exemption.

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	$4,506.00 Homeowner's exemption	$369,262 Land $51,331 Building $317,931	$562,015
2023	$21.00	$1,525 (-) Land $1,525	$166,340 (+74.99%) Land $166,340
2022	$21.00	$1,525 Land $1,525	$95,058 Land $95,058

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

Flood

FEMA maps place 12396 SE 56th Cir 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 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

Wildfire risk around 12396 SE 56th Cir is high, ranking above 70% 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 70% of the US · above 52% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on SE 56th Cir

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