2948 NE 103rd Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 2948 NE 103rd Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Aug 2022)
Tax Bill	$2,899 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1-10-37-36-0A00-00002-0120`

Property Details

APN / Parcel Number

Primary APN	`1-10-37-36-0A00-00002-0120`
Alternative APN	`R11037360A00000020120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,545 sqft Living Area
1st Floor Area	2,117 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2948 NE 103RD AVE
City	OKEECHOBEE
State	FL
Zip	34974-8258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12, SPOT IN THE SUN, AN UNRECORDED SUBDIVISION LYING IN SECTION 10, TOWNSHIP 37 SOUTH, RANGE 36 EAST, OKEECHOBEE COUNTY, FLORIDA, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCE AT A POINT ON THE SOUTH BOUNDARY LINE OF SAID SECTION 10, THA
Legal Range	36E
Legal Township	37S
Legal Section	10
Legal Subdivision	SPOT/SUN
Legal Lot Number	12
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1003
Census Tract	910401

Owner

2948 NE 103rd Ave is owned and occupied by an individual who bought it in August 2022.

Source: Okeechobee County records, as of March 10, 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	Individual Name on File
Mailing Address	5524 NW EAST TORINO PKWY, PORT SAINT LUCIE, FL 34986-4615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 9, 2021	Intrafamily Transfer, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE TANTIE TITLE CO INC
May 25, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 25, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Mar 4, 2019	Warranty Deed, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	Jan 7, 2005
Deed Document Number	202210721
Prior Transfer Date	Sep 8, 2021
Prior Transfer Doc	0000011574
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 8, 2022
Property Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258
Document Number	0000010721
Instrument Date	Aug 5, 2022
Instrument	2022010721
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2948 NE 103RD AVE, 2948, OKEECHOBEE, FL 34974-8258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5524 NW EAST TORINO PKWY, FORT PIERCE, FL 34986-4615

Mortgage

Document Number	0000010722
Date	Aug 8, 2022
Instrument	2022010722

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 9, 2021
Property Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258
Document Number	2021011574
Instrument Date	Sep 8, 2021
Instrument	2021011574
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE TANTIE TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258

Mortgage

Document Number	2021006568
Date	May 25, 2021
Instrument	2021006568

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258
Document Number	0000001301
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2948 NE 103RD AVE OKEECHOBEE FL 349748258, OKEECHOBEE, FL 34974-8258

Mortgage

Document Number	0000001301
Date	Feb 5, 2020
Instrument	1301

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 4, 2019
Property Address	2948 NE 103RD AVE, OKEECHOBEE, FL 34974-8258
Document Number	0008201604
Book / Page	000820 / 001604
Instrument Date	Mar 1, 2019
Instrument	2241
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2948 NE 103RD AVE OKEECHOBEE FL 349748258, OKEECHOBEE, FL 34974-8258

Tax Assessment & Valuation

The 2025 property tax bill for 2948 NE 103rd Ave was $2,899 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	$2,899.00 Homeowner's exemption	$199,938	$204,677 Land $40,000 Building $164,677
2023	$2,778.00 (+151.4%) Homeowner's exemption	$193,742 (+139%) Land $30,000 Building $163,742	$193,742 (+27.24%) Land $30,000 Building $163,742
2022	$1,105.00 Homeowner's exemption	$81,065	$152,261 Land $22,000 Building $130,261

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.

Flood

FEMA maps place 2948 NE 103rd Ave in Zone X, an area of minimal flood risk, though there have been 4 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 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2004–2005)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2005 · Hurricane Wilma
Claims by Event	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

Wildfire risk around 2948 NE 103rd Ave is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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