3391 NW 40th Dr, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 3391 NW 40th Dr, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,404 sqft · built 1969
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2022)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`1-05-37-35-0060-00640-0070`

Property Details

APN / Parcel Number

Primary APN	`1-05-37-35-0060-00640-0070`
Alternative APN	`R10537350060006400070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,404 sqft Living Area
Gross Area	1,482 sqft
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
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	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3391 NW 40TH DR
City	OKEECHOBEE
State	FL
Zip	34972-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BASSWOOD, INC. UNIT NO 6 (PLAT BOOK 3 PAGE 50) LOT 7 BLOCK 64
Legal Range	35E
Legal Township	37S
Legal Section	05
Legal Subdivision	BASSWOOD, INC. UNIT NO 6
Legal Block	64
Legal Lot Number	7
Legal Unit	6
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1047
Census Tract	910201

Owner

Source: Okeechobee County records, as of July 13, 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	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Deed Document Number	20229721
Prior Transfer Date	Jun 16, 2000
Prior Transfer Doc	0441001583
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035

Mortgage

Document Number	0000000023
Date	Jan 2, 2024
Instrument	2024000023

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	8950 CYPRESS WATERS BLVD # 100, COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2063

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 15, 2022
Property Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035
Document Number	0000009721
Map Reference	MB 3 PG 50
Instrument Date	Jul 15, 2022
Instrument	2022009721
Transaction Type	Transfer
Record Updated	Aug 9, 2022
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	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3391 NW 40TH DR, 3391, OKEECHOBEE, FL 34972-1035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035

Mortgage

Document Number	0000009722
Date	Jul 15, 2022
Instrument	2022009722

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3391 NW 40TH DR, OKEECHOBEE, FL 34972-1035

Mortgage

Document Number	2021005242
Date	Apr 27, 2021
Instrument	2021005242

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 20, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,920.00 (+6.49%) Homeowner's exemption	$128,560 (+3.89%)	$130,937 (+5.81%) Land $19,000 Building $111,937
2023	$1,803.00 (+211.94%) Homeowner's exemption	$123,752 (+338.96%) Land $12,000 Building $111,752	$123,752 (+48.31%) Land $12,000 Building $111,752
2022	$578.00 Homeowner's exemption	$28,192	$83,441 Land $10,000 Building $73,441

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 137 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	137 in force
Nearby Flood Claims	52 (2004–2021)
Claims Outside the SFHA	3 of 52
Most Recent Claim	Feb 2021 · rainfall accumulation
Claims by Event	Tropical Storm Fay, Aug 2008 · 15 claims Hurricane Wilma, Oct 2005 · 9 claims Hurricane Frances, Sep 2004 · 11 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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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 85 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on NW 40th Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures