Okeechobee County property record for 3404 NW 2nd St, Okeechobee, FL 34972
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,450 sqft · built 1973 |
| Lot Size | 0.292 acres (12,720 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Aug 2022) |
| Tax Bill | $1,904 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2023 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 1-18-37-35-0020-00490-0010 |
| Primary APN | 1-18-37-35-0020-00490-0010 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,450 sqft Heated Area |
| Gross Area | 1,922 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,720 sqft (0.292 acres) |
| Porch | Open Porch |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3404 NW 2ND ST |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34972-2271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EL MIRASOL (PLAT BOOK 2 PAGE 1) LOTS 1 & 2 BLOCK 49 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 18 |
| Legal Subdivision | EL MIRA SOL |
| Legal Block | 49 |
| Legal Lot Number | 1,2 2 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 910202 |
Source: Okeechobee County records, as of December 5, 2025
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 | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) LOWER LLC |
| Aug 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Aug 18, 2022 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on Record |
| Deed Sale | Aug 18, 2022 · Amount on Record |
| Prior Sale | Aug 15, 2007 |
| Deed Document Number | 2022011340 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Document Number | 0000011343 |
|---|---|
| Date | Aug 19, 2022 |
| Instrument | 2022011343 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Document Number | 0000010117 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 2023010117 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Aug 18, 2022 |
| Property Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Document Number | 0000011340 |
| Map Reference | MB 2 PG 1 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022011340 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2023 |
| Title Company | USA TRUST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Name | Verified Name |
|---|---|
| Address | 3404 NW 2ND ST, OKEECHOBEE, FL 34972-2271 |
| Document Number | 0000011341 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 2022011341 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
Source: Okeechobee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,904.00 (-25.36%) Homeowner's exemption | $179,491 (+1.13%) Land $12,000 Building $167,491 | $179,491 (+1.13%) Land $12,000 Building $167,491 |
| 2023 | $2,551.00 (+208.84%) Homeowner's exemption | $177,491 (+286.35%) Land $10,000 Building $167,491 | $177,491 (+69.6%) Land $10,000 Building $167,491 |
| 2022 | $826.00 Homeowner's exemption | $45,940 | $104,650 Land $5,600 Building $99,050 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 28 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 4 (2004–2012) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Aug 2012 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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