Osceola County property record for 3685 Elm Dr, Okeechobee, FL 34972 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 864 sqft · built 1995 |
| Lot Size | 2.03 acres (88,601 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,918 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 13-32-34-2790-0001-1770 |
| Primary APN | 13-32-34-2790-0001-1770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,440 sqft |
| 1st Floor Area | 864 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 88,601 sqft (2.03 acres) |
| Lot Dimensions | 355 ft deep x 245 ft wide |
| Garage Type | Carport |
| Garage Area | 128 sqft |
| Carport | Carport |
| Carport Area | 128 sqft |
| Porch | Open/Unfinished Porch |
|---|---|
| Porch Area | 747 sqft |
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Utility Building | 120 sqft |
| Heating System | Central |
|---|
| Street Address | 3685 ELM DR |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34972-9117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CENTRAL ACRES SEC 3 PB 2 PG 008 LOT 177 |
| Legal Range | 34E |
| Legal Township | 32S |
| Legal Section | 13 |
| Legal Subdivision | CENTRAL ACRES SECTION 3 |
| Legal Tract | 2790 |
| Legal Block | 1770 |
| Legal Lot Number | 177 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 3 |
| Census Block | 3196 |
| Census Tract | 43802 |
Source: Osceola County records · APN 13-32-34-2790-0001-1770
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3685 ELM DR, OKEECHOBEE, FL 34972-9117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 31, 2007 |
| Transfer Doc | 0035720705 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,918.00 (+11.45%) Homeowner's exemption | $118,639 (+13.1%) | $128,000 (+22.02%) Land $43,800 Building $84,200 |
| 2024 | $1,721.00 (+13%) | ||
| 2023 | $1,523.00 (-16.59%) Homeowner's exemption | $104,900 (+16.95%) Land $28,800 Building $76,100 | $104,900 (+16.95%) Land $28,800 Building $76,100 |
| 2022 | $1,826.00 | $89,700 Land $21,500 Building $68,200 | $89,700 Land $21,500 Building $68,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 82 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force 79 of 82 on primary residences |
| Wildfire Risk | High above 89% of the US · above 82% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 84 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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