2428 SE 38th Trl, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 2428 SE 38th Trl, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,757 sqft · built 1976
Lot Size	0.266 acres (11,587 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Oct 2020)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-35-37-35-0030-00000-3010`

Property Details

APN / Parcel Number

Primary APN	`1-35-37-35-0030-00000-3010`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,757 sqft Heated Area
Gross Area	2,417 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,587 sqft (0.266 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2428 SE 38TH TRL
City	OKEECHOBEE
State	FL
Zip	34974-7011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLOR CREEK ISLES SECTION TWO (PLAT BOOK 3 PAGE 89) LOT 301
Legal Range	35E
Legal Township	37S
Legal Section	35
Legal Subdivision	TAYLOR CREEK
Legal Lot Number	301
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2004
Census Tract	910500

Owner

2428 SE 38th Trl is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2428 SE 38TH TRL, OKEECHOBEE, FL 34974-7011
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Mar 18, 2004
Deed Document Number	2020010358
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Oct 23, 2020
Property Address	2428 SE 38TH TRL, OKEECHOBEE, FL 34974-7011
Document Number	0000010358
Instrument Date	Jul 14, 2020
Instrument	10358
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	AMROCK INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 SE 38TH TRL OKEECHOBEE FL 349747011, OKEECHOBEE, FL 34974-7011

Mortgage

Document Number	10359
Date	Oct 23, 2020
Instrument	10359

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2428 SE 38th Trl was $2,081 with a homeowner's exemption.

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	$2,081.00 Homeowner's exemption	$192,378	$246,899 Land $30,160 Building $216,739
2023	$2,607.00 (+6.98%) Homeowner's exemption	$181,511 (+3%)	$248,176 (+19.58%) Land $20,800 Building $227,376
2022	$2,437.00 Homeowner's exemption	$176,224	$207,548 Land $20,800 Building $186,748

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

Flood

FEMA maps place 2428 SE 38th Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	7 (2004–2013)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2013 · other causes
Claims by Event	Hurricane Wilma, Oct 2005 · 2 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 2428 SE 38th Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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