1709 SW 3rd Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 1709 SW 3rd Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1999
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual on Record
Last Sale	$237,500 (Aug 2023)
Tax Bill	$3,607 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3-28-37-35-0050-00330-0110`

Property Details

APN / Parcel Number

Primary APN	`3-28-37-35-0050-00330-0110`
Alternative APN	`R32837350050003300110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	142 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1709 SW 3RD AVE
City	OKEECHOBEE
State	FL
Zip	34974-6188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADDITION TO SOUTH OKEECHOBEE (PLAT BOOK 1 PAGE 17) LOTS 11 & 12 BLOCK 33
Legal Range	35E
Legal Township	37S
Legal Section	28
Legal Subdivision	FIRST ADDITION TO SOUTH OKEECHOBE
Legal Block	33
Legal Lot Number	11,12
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	5
Census Block	5020
Census Tract	910601

Owner

Source: Okeechobee County assessment roll, as of November 19, 2025

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

Owner of Record	Individual on Record
Mailing Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Nov 11, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Nov 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 26, 2018	Deed of Trust, Transfer · FHA Mortgage EMBRACE HM LOANS
Jan 26, 2018	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS
Jan 31, 2018	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2023 · Amount on Record
Deed Sale	Aug 16, 2023 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	20239668
Prior Transfer Date	Jun 30, 2010
Prior Transfer Doc	0006880722
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 16, 2023
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0000009668
Map Reference	MB 1 PG 17
Instrument Date	Aug 11, 2023
Instrument	2023009668
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009669
Date	Aug 16, 2023
Instrument	2023009669

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0000009670
Date	Aug 16, 2023
Instrument	2023009670

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188

Mortgage

Document Number	0000006916
Date	May 18, 2022
Instrument	20220006916

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0000011514
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1709 SW 3RD AVE OKEECHOBEE FL 349746188, OKEECHOBEE, FL 34974-6188

Mortgage

Document Number	0000011514
Date	Nov 23, 2020
Instrument	11514

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 1, 2019
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0000011297
Instrument Date	Nov 1, 2019
Instrument	11297
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$7.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1803 SW 3RD AVE OKEECHOBEE FL 349746148, OKEECHOBEE, FL 34974-6148

January 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0008051953
Instrument Date	Jan 26, 2018
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	CLEAR TITLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2930 SE 23RD ST OKEECHOBEE FL 349746339, OKEECHOBEE, FL 34974-6339

Mortgage

Document Number	0008051953
Date	Apr 17, 2018
Book Page	000805/001953
Instrument	5192

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

Interest

Rate	5.37%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0008060427
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 5, 2018
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2930 SE 23RD ST OKEECHOBEE FL 349746339, OKEECHOBEE, FL 34974-6339

Mortgage

Document Number	0008060427
Date	Apr 20, 2018
Book Page	000806/000427
Instrument	5397

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 31, 2018
Property Address	1709 SW 3RD AVE, OKEECHOBEE, FL 34974-6188
Document Number	0008011444
Book / Page	000801 / 001444
Instrument Date	Jan 23, 2018
Instrument	1228
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2930 SE 23RD ST OKEECHOBEE FL 349746188, OKEECHOBEE, FL 34974-6188

Mortgage

Document Number	8011446
Date	Jan 31, 2018
Book Page	000801/001446
Instrument	1229

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2048

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of November 19, 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	$3,607.00 (+130.48%)	$196,987 (+109.56%)	$202,107 (+12.72%) Land $44,100 Building $158,007
2023	$1,565.00 (+10.91%) Homeowner's exemption	$93,999 (+6.75%)	$179,305 (+30.5%) Land $31,360 Building $147,945
2022	$1,411.00 Homeowner's exemption	$88,056	$137,403 Land $22,050 Building $115,353

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	10 (2004–2012)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 5 claims 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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