Okeechobee County property record for 2045 SW 18th Ln, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,311 sqft · built 1971 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,000 (Jul 2025) |
| Tax Bill | $5,395 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Oct 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-29-37-35-0010-00000-0730 |
| Primary APN | 1-29-37-35-0010-00000-0730 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,311 sqft Living Area |
| Gross Area | 3,362 sqft |
| 1st Floor Area | 2,383 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Lot Dimensions | 91 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Area | 267 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2045 SW 18TH LN |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-5616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER LAKE ESTATES (PLAT BOOK 3 PAGE 14) LOTS 73, 74, 91 & 92 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 29 |
| Legal Subdivision | RIVER LAKE ESTATES |
| Legal Lot Number | 73 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 910601 |
Source: Okeechobee County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3950 SW 16TH ST, OKEECHOBEE, FL 34974-5453 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Oct 15, 2021 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jun 3, 2020 | Deed of Trust, Construction Loan · Construction Mortgage MIDFLORIDA CU |
| Oct 27, 2017 | Affidavit of Death, Transfer OKEE-TANTIE TITLE COMPANY INC |
| Oct 27, 2017 | Warranty Deed, Transfer OKEE-TANTIE TITLE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on Record |
| Deed Sale | Jul 15, 2025 · Amount on Record |
| Prior Sale | Mar 7, 2022 · Amount on Record |
| Deed Document Number | 20257558 |
| Prior Transfer Date | Jul 10, 2025 |
| Prior Transfer Doc | 0000007558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Mar 7, 2022 |
| Property Address | 2045 SW 18TH LN, OKEECHOBEE, FL 34974-5616 |
| Document Number | 0000003100 |
| Map Reference | MB 3 PG 14 |
| Instrument Date | Mar 3, 2022 |
| Instrument | 2022003100 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | OKEE-TANTIE TITLE COMPANY INC, OKEE TANTIC TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 SW 26TH TERR, 1903, OKEECHOBEE, FL 34974 |
| Name | Verified Name |
|---|---|
| Address | 1498 HUNTER RD, OKEECHOBEE, FL 34974-0252 |
| Document Number | 0000003101 |
|---|---|
| Date | Mar 7, 2022 |
| Instrument | 2022003101 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 2045 SW 18TH LN, OKEECHOBEE, FL 34974-5616 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021013180 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 2021013180 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Jun 3, 2020 |
| Property Address | 2045 SW 18TH LN, OKEECHOBEE, FL 34974-5616 |
| Document Number | 0000005134 |
| Instrument Date | May 22, 2020 |
| Instrument | 5134 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2045 SW 18TH LN OKEECHOBEE FL 349745616, OKEECHOBEE, FL 34974-5616 |
| Document Number | 0000005134 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 5134 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 2, 2021 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 2045 SW 18TH LN, OKEECHOBEE, FL 34974-5616 |
| Document Number | 0007971362 |
| Book / Page | 000797 / 001362 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 10384 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | OKEE-TANTIE TITLE COMPANY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 2045 SW 18TH LN, OKEECHOBEE, FL 34974-5616 |
| Document Number | 0007971367 |
| Book / Page | 000797 / 001367 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 10387 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | OKEE-TANTIE TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,890.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2045 SW 18TH LN OKEECHOBEE FL 349745616, OKEECHOBEE, FL 34974-5616 |
Source: Okeechobee County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,395.00 (+5.85%) | $381,931 (+5.99%) | $419,412 (+3.79%) Land $90,000 Building $329,412 |
| 2023 | $5,097.00 (+77.16%) Homeowner's exemption | $360,356 (+73.54%) | $404,085 (+26.72%) Land $75,000 Building $329,085 |
| 2022 | $2,877.00 Homeowner's exemption | $207,652 | $318,888 Land $44,000 Building $274,888 |
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.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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