3703 SW 28th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3703 SW 28th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,732 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$149,000 (Jul 2018)
Tax Bill	$3,376 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jan 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-30-37-35-0A00-00008-F000`

Property Details

APN / Parcel Number

Primary APN	`1-30-37-35-0A00-00008-F000`
Alternative APN	`R13037350A0000008F000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,732 sqft Living Area
Gross Area	3,112 sqft
1st Floor Area	2,938 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Finished Screened Porch
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3703 SW 28TH ST
City	OKEECHOBEE
State	FL
Zip	34974-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND LYING IN THE NORTHWEST 1/4 OF THE SOUTHEAST 1/4 OF SECTION 30, TOWNSHIP 37 SOUTH, RANGE 35 EAST, OKEECHOBEE COUNTY, FLORIDA, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCE AT THE NORTHEAST CORNER OF SAID SECTION 30; THENC
Legal Range	35E
Legal Township	37S
Legal Section	30
Legal Subdivision	COMMENCE AT THE NORTHEAST
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2000
Census Tract	910602

Owner

3703 SW 28th St is owned and occupied by two individuals who acquired it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3703 SW 28TH ST, OKEECHOBEE, FL 34974-1620
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 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Jan 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 30, 2018	Grant Deed, Transfer · Conventional with PMI JOHN & HEATHER ROGERS
Jan 24, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Jan 24, 2018 · Amount on File
Deed Document Number	20189794
Deed Book / Page	811 / 840
Last Transfer Date	May 17, 2019
Transfer Doc	2020000087
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3703 SW 28TH ST, OKEECHOBEE, FL 34974-1620
Document Number	0000012925
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3703 SW 28TH ST OKEECHOBEE FL 349741620, OKEECHOBEE, FL 34974-1620

Mortgage

Document Number	0000012925
Date	Dec 23, 2019
Instrument	12925

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 22, 2034

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 3, 2020
Property Address	3703 SW 28TH ST, OKEECHOBEE, FL 34974-1620
Document Number	0000000087
Instrument Date	May 17, 2019
Instrument	87
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3703 SW 28TH ST OKEECHOBEE FL 349741620, OKEECHOBEE, FL 34974-1620

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 30, 2018
Property Address	3703 SW 28TH ST, OKEECHOBEE, FL 34974-1620
Document Number	0008110840
Book / Page	000811 / 000840
Instrument Date	Jul 5, 2018
Instrument	9794
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,043.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 323 OKEECHOBEE FL 349730323, OKEECHOBEE, FL 34973-0323

Mortgage

Document Number	8110844
Date	Jul 30, 2018
Book Page	000811/000844
Instrument	9795

Lender

Name	JOHN & HEATHER ROGERS

Agreement

Type	Conventional with PMI
Amount	Amount on Record

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 24, 2018
Property Address	3703 SW 28TH ST, OKEECHOBEE, FL 34974-1620
Document Number	0008010913
Book / Page	000801 / 000913
Instrument Date	Jan 22, 2018
Instrument	933
Transaction Type	Foreclosure
Record Updated	Feb 27, 2018

Transaction

Amount	Amount on Record
Tax	$847.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 9908 FORT LAUDERDALE FL 333100908, FORT LAUDERDALE, FL 33310-0908

Tax Assessment & Valuation

The 2025 property tax bill for 3703 SW 28th St was $3,376 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	$3,376.00 Homeowner's exemption	$234,685	$365,017 Land $80,000 Building $285,017
2023	$3,163.00 (+6.14%) Homeowner's exemption	$221,428 (+3%)	$345,332 (+18.97%) Land $56,000 Building $289,332
2022	$2,980.00 Homeowner's exemption	$214,979	$290,279 Land $50,000 Building $240,279

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

Flood

FEMA maps place 3703 SW 28th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
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 3703 SW 28th St is high, ranking above 70% 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	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Verizon.

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