3049 SE 38th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3049 SE 38th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,494 sqft · built 2006
Lot Size	0.151 acres (6,578 sqft)
Owner	2 Company Names on Record
Last Sale	$200,000 (Nov 2025)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1-25-37-35-0030-00020-0920`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0030-00020-0920`
Alternative APN	`R12537350030000200920`

Interior

Full Baths	2 Baths
Building Area	1,494 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,494 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	437 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3049 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) NORTH 60 FEET OF LOT 92
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Subdivision	TREASURE ISLAND UNIT NO 2
Legal Lot Number	92
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 May 1, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	120 NW SPANISH RIVER BLVD, 4, BOCA RATON, FL 33431-4219
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Nov 5, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage TRANS GLOBAL FINANCIAL LLC
Jul 2, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
Jul 24, 2017	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	202512719
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921

Mortgage

Document Number	0000012864
Date	Nov 13, 2023
Instrument	2023012864

Lender

Name	MIDFIRST BANK
Type	Bank
Address	501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Aug 1, 2050

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 5, 2025
Property Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Document Number	0000012719
Map Reference	MB 3 PG 39
Instrument Date	Nov 4, 2025
Instrument	2025012719
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	MELLINGER TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 NW SPANISH RIVER BLVD STE 4, 4, BOCA RATON, FL 33431-4219

Mortgage

Document Number	0000012720
Date	Nov 5, 2025
Instrument	2025012720

Lender

Name	TRANS GLOBAL FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 11, 2035

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Document Number	0000008773
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3049 SE 38TH AVE OKEECHOBEE FL 349746921, OKEECHOBEE, FL 34974-6921

Mortgage

Document Number	0000008773
Date	Sep 14, 2020
Instrument	8773

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 24, 2017
Property Address	3049 SE 38TH AVE, OKEECHOBEE, FL 34974-6921
Document Number	0007931391
Book / Page	0793 / 1391
Map Reference	MB3 PG39
Instrument Date	Jul 21, 2017
Instrument	2017007342
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 NW 102ND ST, 150, OKEECHOBEE, FL 34972-7579

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	150 NW 102ND ST, OKEECHOBEE, FL 34972-7579

Mortgage

Document Number	7931392
Date	Jul 24, 2017
Instrument	0793/1392

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$2,451.00 (+7.59%) Homeowner's exemption	$167,260 (+5.99%)	$259,266 (+13.48%) Land $40,500 Building $218,766
2023	$2,278.00 (+7.71%) Homeowner's exemption	$157,812 (+3%)	$228,472 (+20.7%) Land $21,600 Building $206,872
2022	$2,115.00 Homeowner's exemption	$153,216	$189,284 Land $21,600 Building $167,684

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

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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