3511 SE 28th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3511 SE 28th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1982
Lot Size	0.249 acres (10,846 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Mar 2023)
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`1-25-37-35-0070-00060-2370`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0070-00060-2370`
Alternative APN	`R12537350070000602370`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	840 sqft Living Area
Gross Area	1,409 sqft
1st Floor Area	840 sqft
Utility Area	63 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Metal
Lot Area	10,846 sqft (0.249 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Porch	Finished Screened Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3511 SE 28TH ST
City	OKEECHOBEE
State	FL
Zip	34974-6679
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREASURE ISLAND UNIT NO. 6 (PLAT BOOK 3 PAGE 57) LOT 237
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Subdivision	TREASURE ISLAND UNIT NO 6
Legal Lot Number	237
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 November 19, 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	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCIAL LENDER LLC
Jan 19, 2021	Deed of Trust, Construction Loan · Line of Credit COMMERCIAL LENDER LLC
Nov 12, 2020	Warranty Deed, Transfer LAKE OKEECHOBEE TITLE
Apr 17, 2017	Warranty Deed, Transfer RICHARD PETTENGILL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on Record
Deed Sale	Mar 1, 2023 · Amount on Record
Prior Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	20232501
Prior Transfer Date	May 24, 2016
Prior Transfer Doc	0007751477
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 1, 2023
Property Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Document Number	0000002501
Map Reference	MB 3 PG 57
Instrument Date	Feb 22, 2023
Instrument	2023002501
Transaction Type	Transfer
Record Updated	Apr 11, 2023
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	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 W FLAGLER ST # 2066, 2066, MIAMI, FL 33130-1807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679

Mortgage

Document Number	0000002502
Date	Mar 1, 2023
Instrument	2023002502

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 W FLAGLER ST 2066, 2066, MIAMI, FL 33130-1807

Mortgage

Document Number	2021010772
Date	Aug 19, 2021
Instrument	2021010772

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 19, 2021
Property Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Document Number	0000000526
Instrument Date	Jan 19, 2021
Instrument	526
Transaction Type	Construction Loan
Record Updated	Feb 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	66 W FLAGLER ST #2066 MIAMI FL 331301807, 2066, MIAMI, FL 33130-1807

Mortgage

Document Number	0000000526
Date	Jan 19, 2021
Instrument	526

Lender

Name	COMMERCIAL LENDER LLC
Address	VERNON, CT 06066

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 18, 2022

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 12, 2020
Property Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Document Number	0000011132
Instrument Date	Nov 12, 2020
Instrument	11132
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	LAKE OKEECHOBEE TITLE

Transaction

Amount	Amount Recorded
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	66 W FLAGLER ST #9 MIAMI FL 331301887, 9, MIAMI, FL 33130-1887

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 17, 2017
Property Address	3511 SE 28TH ST, OKEECHOBEE, FL 34974-6679
Document Number	0007890301
Book / Page	000789 / 000301
Instrument Date	Apr 14, 2017
Instrument	3735
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	LAKE OKEECHOBEE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
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	3511 SE 28TH ST OKEECHOBEE FL 349746679, OKEECHOBEE, FL 34974-6679

Mortgage

Document Number	7890302
Date	Apr 17, 2017
Book Page	000789/000302
Instrument	3736

Lender

Name	RICHARD PETTENGILL
Address	228 HIBISCUS ST # 5, JUPITER, FL 33458-3523
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 16, 2027

Interest

Rate Type	Fixed Rate
Rate	6%

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	$3,012.00 (+31.87%)	$167,519 (+25.26%) Land $60,000 Building $107,519	$167,519 (+25.26%) Land $60,000 Building $107,519
2023	$2,284.00 (+11.96%)	$133,738 (+9.28%) Land $34,000 Building $99,738	$133,738 (+9.28%) Land $34,000 Building $99,738
2022	$2,040.00	$122,380 Land $34,000 Building $88,380	$122,380 Land $34,000 Building $88,380

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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.

Nearby Properties on SE 28th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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