3594 SW 20th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3594 SW 20th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,400 sqft · built 1977
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Jan 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-30-37-35-0010-00100-0050`

Property Details

APN / Parcel Number

Primary APN	`1-30-37-35-0010-00100-0050`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,400 sqft Heated Area
Gross Area	1,499 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
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	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3594 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 5 BLOCK 10
Legal Range	35E
Legal Township	37S
Legal Section	30
Legal Subdivision	OAK PARK SUBDIVISION
Legal Block	10
Legal Lot Number	5
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2016
Census Tract	910601

Owner

3594 SW 20th St is owned and occupied by two individuals who bought it in January 2017.

Source: Okeechobee County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3594 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
Oct 15, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 1, 2018	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Jan 23, 2017	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2017 · Amount on File
Deed Sale	Jan 23, 2017 · Amount on File
Prior Sale	Sep 2, 1997
Deed Document Number	2017000645
Deed Book / Page	0785 / 0352
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3594 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3594 SW 20TH ST, OKEECHOBEE, FL 34974-5430

Mortgage

Document Number	2021013187
Date	Oct 15, 2021
Instrument	2021013187

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	3594 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Document Number	0008091758
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3594 SW 20TH ST OKEECHOBEE FL 349745430, OKEECHOBEE, FL 34974-5430

Mortgage

Document Number	0008091758
Date	Jun 29, 2018
Book Page	000809/001758
Instrument	8537

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Interest

Rate	3.75%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 23, 2017
Property Address	3594 SW 20TH ST, OKEECHOBEE, FL 34974-5430
Document Number	0007850352
Book / Page	000785 / 000352
Instrument Date	Jan 20, 2017
Instrument	645
Transaction Type	Transfer
Record Updated	Feb 24, 2017
Title Company	TITLE PRO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
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	18725 W SYCAMORE DR LOXAHATCHEE FL 334701831, LOXAHATCHEE, FL 33470-1831

Mortgage

Document Number	7850353
Date	Jan 23, 2017
Book Page	000785/000353
Instrument	646

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3594 SW 20th St was $712 with a homeowner's exemption.

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	$712.00 Homeowner's exemption	$92,561	$184,603 Land $28,000 Building $156,603
2023	$1,297.00 (+12.1%) Homeowner's exemption	$87,332 (+3%)	$191,969 (+24.86%) Land $20,000 Building $171,969
2022	$1,157.00 Homeowner's exemption	$84,788	$153,750 Land $13,000 Building $140,750

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

Flood

FEMA maps place 3594 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 3594 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

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