17651 NW 38th Ave, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 17651 NW 38th Ave, Okeechobee, FL 34972

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,104 sqft · built 1990
Lot Size	1.05 acres (46,086 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Oct 2025)
Tax Bill	$353 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-30-35-35-0030-00000-0010`

Property Details

APN / Parcel Number

Primary APN	`1-30-35-35-0030-00000-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,104 sqft Heated Area
Gross Area	2,948 sqft

Exterior

Year Built	Built 1990
Exterior Material	Fiber Cement Siding
Roof Material	Composition Shingle
Lot Area	46,086 sqft (1.05 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	17651 NW 38TH AVE
City	OKEECHOBEE
State	FL
Zip	34972-8494
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	OTTER CREEK ESTATES UNIT ONE (PLAT BOOK 6 PAGE 29) LOT 1 & A PARCEL OF LAND LYING IN SECTION 19, TOWNSHIP 35 SOUTH, RANGE 35
Legal Range	35E
Legal Township	35S
Legal Section	30
Legal Subdivision	OTTER CREEK ESTATES
Legal Lot Number	1,A
Legal Unit	1
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	2
Census Block	2089
Census Tract	910102

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Oct 30, 2025	Deed, Transfer · Unknown LANE LIVING TRUST
Oct 1, 2025	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 8, 2018	Warranty Deed, Transfer · Conventional with PMI JOHN W & TERRI A LANE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Oct 1, 2025 · Amount on Record
Deed Document Number	2025012535
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17381 NW 38TH AVE, OKEECHOBEE, FL 34972-4707

Mortgage

Document Number	0000014352
Date	Nov 9, 2021
Instrument	2021014352

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Oct 30, 2025
Property Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494
Document Number	0000012535
Map Reference	MB 6 PG 29
Instrument Date	Oct 24, 2025
Instrument	2025012535
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11086 89TH ST N, PALM BEACH GARDENS, FL 33412-1336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494

Mortgage

Document Number	0000012536
Date	Oct 30, 2025
Instrument	2025012536

Lender

Name	LANE LIVING TRUST
Type	Private Party

Agreement

Type	Unknown
Amount	Amount Recorded

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Oct 1, 2025
Property Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494
Document Number	0000011131
Map Reference	MB 803 PG 1436
Instrument Date	Aug 8, 2025
Instrument	2025011131
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	11086 89TH ST N, PALM BEACH GARDENS, FL 33412-1336

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 8, 2018
Property Address	17651 NW 38TH AVE, OKEECHOBEE, FL 34972-8494
Document Number	0008031435
Book / Page	000803 / 001435
Instrument Date	Mar 7, 2018
Instrument	2978
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Joint Tenants with Right of Survivorship
Address	1551 NW 98TH ST OKEECHOBEE FL 349720854, OKEECHOBEE, FL 34972-0854

Mortgage

Document Number	8031436
Date	Mar 8, 2018
Book Page	000803/001436
Instrument	2979

Lender

Name	JOHN W & TERRI A LANE
Address	11086 89TH ST N, WEST PALM BEACH, FL 33412-1336
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Mar 7, 2038

Tax Assessment & Valuation

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	$353.00 (+1.73%) Homeowner's exemption	$52,060 (+2.9%)	$82,273 (-8.01%) Land $31,276 Building $50,997
2024	$347.00 (+3.58%) Homeowner's exemption	$50,593 (+3%)	$89,436 (+0.08%) Land $36,392 Building $53,044
2023	$335.00 Homeowner's exemption	$49,119 (+3%)	$89,361 (+11.98%) Land $27,928 Building $61,433
2022	Homeowner's exemption	$47,688	$79,803 Land $25,870 Building $53,933

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 46 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	5 (2004–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton

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	High above 73% of the US · above 57% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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