2821 SW 3rd Ter, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 2821 SW 3rd Ter, Okeechobee, FL 34974

Property Summary

Property Type	Retail Store
Details	14 ba · 17,640 sqft · built 1988
Lot Size	1.29 acres (56,236 sqft)
Owner	Company Name on Record
Last Sale	$1,550,000 (Mar 2026)
Tax Bill	$16,136 (2025)
Deeds & Mortgages	Mar 2026 Sale Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1-28-37-35-0020-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`1-28-37-35-0020-00000-0020`
Alternative APN	`R12837350020000000020`

Interior

Full Baths	14 Baths
Plumbing Fixtures	28 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	17,640 sqft Gross Area
1st Floor Area	15,680 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Metal
Lot Area	56,236 sqft (1.29 acres)
Lot Dimensions	150 ft deep x 375 ft wide
Canopy	1,960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2821 SW 3RD TER
City	OKEECHOBEE
State	FL
Zip	34974-5966
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Legal Description	NORTH LAKE BUSINESS PARK (PLAT BOOK 5 PAGE 70) LOTS 2, 3 & 4
Legal Range	35E
Legal Township	37S
Legal Section	28
Legal Subdivision	NORTH LAKE BUSINESS PARK
Legal Lot Number	2,3,4
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	5
Census Block	5015
Census Tract	910601

Owner

Source: Okeechobee County records, as of July 13, 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	Company Name on Record
Mailing Address	2000 NE JENSEN BEACH BLVD, JENSEN BEACH, FL 34957-7238
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 17, 2021	Deed of Trust, Mortgage · Balloon Mortgage AMY MCCARTHY
Jul 28, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Jul 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	20262394
Prior Transfer Date	Sep 25, 2000
Prior Transfer Doc	0446001653
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 3, 2026
Property Address	2821 SW 3RD TER, OKEECHOBEE, FL 34974-5966
Document Number	0000002394
Map Reference	MB 5 PG 70
Instrument Date	Feb 27, 2026
Instrument	2026002394
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$10,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3477 LAGO DE TALAVERA, WELLINGTON, FL 33467-1071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 NE JENSEN BEACH BLVD, JENSEN BEACH, FL 34957-7238

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	2821 SW 3RD TER, OKEECHOBEE, FL 34974-5966
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3477 LAGO DE TALAVERA, WELLINGTON, FL 33467-1071

Mortgage

Document Number	2021001792
Date	Feb 17, 2021
Instrument	2021001792

Lender

Name	AMY MCCARTHY
Type	Private Party
Address	320 NAVAHO DR, SEYMOUR, TN 37865

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Feb 1, 2024

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 28, 2020
Property Address	2821 SW 3RD TER, OKEECHOBEE, FL 34974-5966
Document Number	0000007198
Instrument Date	Jul 24, 2020
Instrument	7198
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2821 SW 3RD TER OKEECHOBEE FL 349745966, OKEECHOBEE, FL 34974-5966

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 28, 2020
Property Address	2821 SW 3RD TER, OKEECHOBEE, FL 34974-5966
Document Number	0000007199
Instrument Date	Jul 24, 2020
Instrument	7199
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3377 LAGO DE TALAVERA WELLINGTON FL 33467, WELLINGTON, FL 33467

Tax Assessment & Valuation

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	$16,136.00 (+17.07%)	$908,315 (+18.48%) Land $219,375 Building $688,940	$908,315 (+18.48%) Land $219,375 Building $688,940
2023	$13,783.00 (+17.21%)	$766,663 (+20.46%) Land $202,500 Building $564,163	$766,663 (+20.46%) Land $202,500 Building $564,163
2022	$11,759.00	$636,439 Land $141,844 Building $494,595	$636,439 Land $141,844 Building $494,595

Assessed value is set for property tax purposes, not a market price estimate; it is 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	0.06% annual chance
Exposure	None beyond ember reach

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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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