3570 SW 20th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3570 SW 20th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1981
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Dec 2021)
Tax Bill	$2,493 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-30-37-35-0010-00100-0060`

Property Details

APN / Parcel Number

Primary APN	`1-30-37-35-0010-00100-0060`
Alternative APN	`R13037350010001000060`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Porch	Finished/Open Porch
Patio Area	205 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3570 SW 20TH ST
City	OKEECHOBEE
State	FL
Zip	34974-5430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK PARK SUBDIVISION (PLAT BOOK 3 PAGE 3) LOT 6 BLOCK 10
Legal Range	35E
Legal Township	37S
Legal Section	30
Legal Subdivision	OAK PARK SUBDIVISION
Legal Block	10
Legal Lot Number	6
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2016
Census Tract	910601

Owner

3570 SW 20th St is owned and occupied by two individuals who bought it in December 2021.

Source: Okeechobee County records, as of January 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Dec 22, 2021	Warranty Deed, Transfer · Second Mortgage (Down Payment) OKEECHOBEE COUNTY
Feb 1, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Feb 1, 2018 · Amount on File
Deed Document Number	202116236
Prior Transfer Date	Mar 4, 2008
Prior Transfer Doc	0006500721
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 22, 2021
Property Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Document Number	0000016236
Map Reference	MB 3 PG 3
Instrument Date	Dec 14, 2021
Instrument	2021016236
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS INC

Transaction

Amount	Amount on Record
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	3442 SW 21ST ST, OKEECHOBEE, FL 34974-5508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430

Mortgage

Document Number	0000016238
Date	Dec 22, 2021
Instrument	2021016238

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 22, 2021
Property Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Document Number	0000016237
Map Reference	MB 3 PG 3
Instrument Date	Dec 13, 2021
Instrument	2021016237
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	CLEAR TITLE & LEGAL SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430

Mortgage

Document Number	0000016239
Date	Dec 22, 2021
Instrument	2021016239

Lender

Name	OKEECHOBEE COUNTY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Feb 1, 2018
Property Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Document Number	0008011695
Book / Page	0801 / 1695
Map Reference	MB3 PG3
Instrument Date	Jan 31, 2018
Instrument	2018001316
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	LAKE OKEECHOBEE TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$794.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13020 NE 14TH AVE, 13020, OKEECHOBEE, FL 34972-8535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3570 SW 20TH ST, OKEECHOBEE, FL 34974-5430

Mortgage

Document Number	2018001317
Date	Feb 1, 2018
Instrument	2018001317

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3570 SW 20th St was $2,493 with a homeowner's exemption.

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	$2,493.00 Homeowner's exemption	$170,310	$187,322 Land $28,000 Building $159,322
2023	$2,318.00 (+7.61%) Homeowner's exemption	$160,689 (+3%)	$194,558 (+24.71%) Land $20,000 Building $174,558
2022	$2,154.00 Homeowner's exemption	$156,009 Land $13,000 Building $143,009	$156,009 Land $13,000 Building $143,009

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3570 SW 20th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2005 · Hurricane Wilma

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 3570 SW 20th St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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	Direct burnable vegetation

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 127 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on SW 20th St

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