3421 SE 28th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3421 SE 28th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,412 sqft · built 1978
Lot Size	0.248 acres (10,846 sqft)
Owner	Individual Name on Record
Last Sale	$59,900 (Nov 2015)
Tax Bill	$3,513 (2025)
Deeds & Mortgages	Jan 2024 Transfer Nov 2019 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`1-25-37-35-0070-00060-2400`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0070-00060-2400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,412 sqft Heated Area
Gross Area	2,296 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,846 sqft (0.248 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Fence	Fence
Boat Access	Boat Access
Boat House	540 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3421 SE 28TH ST
City	OKEECHOBEE
State	FL
Zip	34974-6635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREASURE ISLAND UNIT NO. 6 (PLAT BOOK 3 PAGE 57) LOT 240
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Subdivision	TREASURE ISLAND UN 06
Legal Lot Number	240
Legal Unit	6
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1002
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 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	16614 HIGHWAY D, GREEN CASTLE, MO 63544-2006
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Intrafamily Transfer, Transfer
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2015 · Amount on Record
Deed Sale	Nov 20, 2015 · Amount on Record
Prior Sale	Nov 20, 2015 · Amount on Record
Deed Document Number	0007671262
Deed Book / Page	000767 / 001262
Last Transfer Date	Jan 12, 2024
Transfer Doc	0000000445
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 12, 2024
Property Address	3421 SE 28TH ST, OKEECHOBEE, FL 34974-6635
Document Number	0000000445
Map Reference	MB 3 PG 57
Instrument Date	Jan 5, 2024
Instrument	2024000445
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16614 HIGHWAY D, GREEN CASTLE, MO 63544-2006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17224 N STATE ROAD 1, SPENCERVILLE, IN 46788-9620

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3421 SE 28TH ST, OKEECHOBEE, FL 34974-6635
Document Number	0000012538
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 SE 26TH ST OKEECHOBEE FL 349746566, OKEECHOBEE, FL 34974-6566

Mortgage

Document Number	0000012538
Date	Dec 11, 2019
Instrument	12538

Lender

Name	PNC BK
Type	Bank
Address	OKEECHOBEE, FL 34974

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Dec 10, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of July 1, 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	$3,513.00 (-13.32%)	$281,504 (-11.82%) Land $60,000 Building $221,504	$281,504 (-11.82%) Land $60,000 Building $221,504
2023	$4,053.00 (+20.59%)	$319,225 (+22.34%) Land $34,000 Building $285,225	$319,225 (+22.34%) Land $34,000 Building $285,225
2022	$3,361.00	$260,942 Land $34,000 Building $226,942	$260,942 Land $34,000 Building $226,942

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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