18454 NW 286th St, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 18454 NW 286th St, Okeechobee, FL 34972

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,280 sqft · built 2002
Lot Size	3.75 acres (163,350 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Dec 2019)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-22-34-33-0A00-00005-J000`

Property Details

APN / Parcel Number

Primary APN	`1-22-34-33-0A00-00005-J000`
Alternative APN	`R12234330A0000005J000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	3,013 sqft
1st Floor Area	2,280 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	163,350 sqft (3.75 acres)
Deck Area	170 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18454 NW 286TH ST
City	OKEECHOBEE
State	FL
Zip	34972-5954
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT J OF TRACT 5 WEST 1/2 OF THE EAST 1/2 OF THE NORTH 1/2 OF THE SOUTH 1/2 OF TRACT 5, SECTION 22 AS TO THE SOUTHERN COLONIZATION COMPANY PLAT OF TOWNSHIP 34 SOUTH, RANGE 33 EAST, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 4, PAGES 3-3E, IN
Legal Range	33E
Legal Township	34S
Legal Section	22
Legal Subdivision	SOUTHERN COLONIZATION COMPANY
Legal Tract	5
Legal Lot Number	J
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	1
Census Block	1149
Census Tract	910102

Owner

18454 NW 286th St, a mobile home, is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	18454 NW 286TH ST, OKEECHOBEE, FL 34972-5954
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
Apr 9, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 26, 2019	Warranty Deed, Transfer · FHA Mortgage SUCCESS MTG PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Prior Sale	Oct 16, 2001 · Amount on File
Deed Document Number	201912969
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 9, 2026
Property Address	18454 NW 286TH ST, OKEECHOBEE, FL 34972-5954
Document Number	0000003990
Instrument Date	Mar 18, 2026
Instrument	20263990
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18454 NW 286TH ST, OKEECHOBEE, FL 34972-5954

Mortgage

Document Number	0000003990,
Date	Apr 9, 2026
Instrument	20263990

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Jun 1, 2051

Interest

Rate	6.01%
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 26, 2019
Property Address	18454 NW 286TH ST, OKEECHOBEE, FL 34972-5954
Document Number	0000012969
Instrument Date	Dec 11, 2019
Instrument	12969
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9836 PINE ST MICCO FL 329763108, MICCO, FL 32976-3108

Mortgage

Document Number	12970
Date	Dec 26, 2019
Instrument	12970

Lender

Name	SUCCESS MTG PTRS
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 18454 NW 286th St was $2,460 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	$2,460.00 Homeowner's exemption	$143,907	$265,231 Land $51,800 Building $213,431
2023	$2,225.00 (+7.44%) Homeowner's exemption	$130,427 (+3%)	$245,555 (+22.41%) Land $44,800 Building $200,755
2022	$2,071.00 Homeowner's exemption	$126,628	$200,595 Land $37,800 Building $162,795

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

Flood

FEMA maps place 18454 NW 286th St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

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 File median of 112 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	112 in force
Nearby Flood Claims	8 (2004–2022)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	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 18454 NW 286th St is high, ranking above 81% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.8% 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 9 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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