351 SW 85th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 351 SW 85th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1991
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Dec 2024)
Tax Bill	$2,583 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0030-00020-0010`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0030-00020-0010`
Alternative APN	`R12237340030000200010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,552 sqft Living Area
Gross Area	2,518 sqft
1st Floor Area	1,972 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	218 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	336 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	351 SW 85TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTEND HEIGHTS A PARCEL OF LAND LYING IN SECTION 22, TOWNSHIP 37 SOUTH, RANGE 34 EAST, OKEECHOBEE COUNTY, FLORIDA, AND BEING A PORTION OF LOT 1, BLOCK 2, WESTEND HEIGHTS, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 5, PAGE 62, PUBLIC RECO
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	WESTEND HEIGHTS A
Legal Block	2
Legal Lot Number	1
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

Owner

351 SW 85th Ave is owned and occupied by two individuals who bought it in December 2024.

Source: Okeechobee County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP
Aug 26, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Apr 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Sep 14, 2017	Quit Claim Deed, Transfer · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	Aug 26, 2019 · Amount on File
Deed Document Number	202413578
Prior Transfer Date	Sep 1, 2017
Prior Transfer Doc	0007951765
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587

Mortgage

Document Number	0000007282
Date	Jun 20, 2023
Instrument	2023007282

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006089
Date	Jun 30, 2020
Instrument	2020006089

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 26, 2019
Property Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Document Number	0008291479
Book / Page	000829 / 001479
Instrument Date	Aug 21, 2019
Instrument	8895
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,498.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	351 SW 85TH AVE OKEECHOBEE FL 349741587, OKEECHOBEE, FL 34974-1587

Mortgage

Document Number	8291481
Date	Aug 26, 2019
Book Page	000829/001481
Instrument	8896

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Document Number	0008230108
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SW 85TH AVE OKEECHOBEE FL 349741587, OKEECHOBEE, FL 34974-1587

Mortgage

Document Number	0008230108
Date	Apr 15, 2019
Book Page	000823/000108
Instrument	3922

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 14, 2017
Property Address	351 SW 85TH AVE, OKEECHOBEE, FL 34974-1587
Document Number	0007951765
Book / Page	000795 / 001765
Instrument Date	Sep 1, 2017
Instrument	8798
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SW 85TH AVE OKEECHOBEE FL 349741587, OKEECHOBEE, FL 34974-1587

Mortgage

Document Number	7951768
Date	Sep 14, 2017
Book Page	000795/001768
Instrument	8799

Lender

Name	MR COOPER
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 351 SW 85th Ave was $2,583.

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	$2,583.00	$176,868	$296,261 Land $37,000 Building $259,261
2023	$2,900.00 (+6.5%) Homeowner's exemption	$202,525 (+3%)	$285,653 (+20.28%) Land $32,000 Building $253,653
2022	$2,723.00 Homeowner's exemption	$196,626	$237,489 Land $23,000 Building $214,489

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

FEMA maps place 351 SW 85th Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 92 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2024 · Hurricane Debby

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

Wildfire risk around 351 SW 85th Ave is moderate, ranking above 62% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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