3019 SE 38th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3019 SE 38th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 980 sqft · built 1990
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2022)
Tax Bill	$2,988 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1-25-37-35-0030-00020-0890`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0030-00020-0890`
Alternative APN	`R12537350030000200890`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	980 sqft Living Area
Gross Area	1,738 sqft
1st Floor Area	980 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Porch	Screened/Unfinished Porch
Boat Access	Boat Access
Boat House	162 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	3019 SE 38TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-6921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREASURE ISLAND UNIT NO 2 (PLAT BOOK 3 PAGE 39) LOT 89
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Subdivision	TREASURE ISLAND UNIT NO 2
Legal Lot Number	89
Legal Unit	2
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1004
Census Tract	910403

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Okeechobee Battlefield listed 1966 · 1 contributing resources · National Historic Landmark (designated 1961) · NRIS 66000269

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Okeechobee County records, as of March 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Dec 29, 2021	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Dec 31, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Dec 31, 2019 · Amount on Record
Deed Document Number	202216067
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 15, 2022
Property Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Document Number	0000016067
Map Reference	MB 3 PG 39
Instrument Date	Dec 15, 2022
Instrument	2022016067
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE TANTIE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921

Mortgage

Document Number	0000016068
Date	Dec 15, 2022
Instrument	2022016068

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	CHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921

Mortgage

Document Number	0000016458
Date	Dec 29, 2021
Instrument	2021016458

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	870 Months
Due	Jun 11, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.52%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.52%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 31, 2019
Property Address	3019 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Document Number	0000013162
Instrument Date	Dec 26, 2019
Instrument	13162
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$553.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3019 SE 38TH AVE OKEECHOBEE FL 349746921, OKEECHOBEE, FL 34974-6921

Mortgage

Document Number	13163
Date	Dec 31, 2019
Instrument	13163

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

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	$2,988.00 (+15.77%)	$166,612 (+19.59%) Land $45,000 Building $121,612	$166,612 (+19.59%) Land $45,000 Building $121,612
2023	$2,581.00 (+245.98%)	$139,323 (+106.35%) Land $24,000 Building $115,323	$139,323 (+10.92%) Land $24,000 Building $115,323
2022	$746.00 Homeowner's exemption Disabled Person's exemption Widower's exemption Additional exemption filed	$67,518	$125,611 Land $24,000 Building $101,611

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	10 (2004–2022)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 6 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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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