12644 SE 108th Dr, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 12644 SE 108th Dr, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,581 sqft · built 1996
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Apr 2026)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1-23-38-36-0030-0000B-0230`

Property Details

APN / Parcel Number

Primary APN	`1-23-38-36-0030-0000B-0230`
Alternative APN	`R123383600300000B0230`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,581 sqft Living Area
Gross Area	2,139 sqft
1st Floor Area	1,581 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,011 sqft (0.138 acres)
Porch	Enclosed/Unfinished Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12644 SE 108TH DR
City	OKEECHOBEE
State	FL
Zip	34974-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEVIEW SUBDIVISION (PLAT BOOK 3 PAGE 1) LOTS 23 & 24 BLOCK B
Legal Range	36E
Legal Township	38S
Legal Section	23
Legal Subdivision	LAKEVIEW SUBDIVISION
Legal Block	B
Legal Lot Number	23,24
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2056
Census Tract	910401

Owner

12644 SE 108th Dr is owned and occupied by an individual who bought it in April 2026.

Source: Okeechobee County records, as of May 13, 2026

Owner of Record	Individual Name on File
Mailing Address	12644 SE 108TH DR, OKEECHOBEE, FL 34974-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2026 · Amount on File
Deed Sale	Apr 2, 2026 · Amount on File
Prior Sale	Aug 24, 1995 · Amount on File
Deed Document Number	20263731
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 2, 2026
Property Address	12644 SE 108TH DR, OKEECHOBEE, FL 34974-1309
Document Number	0000003731
Instrument Date	Apr 2, 2026
Instrument	2026.3731
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12644 SE 108TH DR, OKEECHOBEE, FL 34974-1309

Mortgage

Document Number	0000003732,
Date	Apr 2, 2026
Instrument	2026..3732

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 12644 SE 108th Dr was $1,795 with a homeowner's exemption.

Source: Okeechobee County assessment roll, as of November 19, 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	$1,795.00 Homeowner's exemption	$119,427	$259,957 Land $40,500 Building $219,457
2023	$1,649.00 (+9.79%) Homeowner's exemption	$112,681 (+3%)	$259,530 (+17.29%) Land $40,500 Building $219,030
2022	$1,502.00 Homeowner's exemption	$109,399	$221,273 Land $40,500 Building $180,773

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 12644 SE 108th Dr in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	17.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	8 (2004–2009)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2009 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 3 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 12644 SE 108th Dr is moderate, ranking above 67% 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 67% of the US · above 46% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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