3731 SE 28th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3731 SE 28th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,360 sqft · built 1981
Lot Size	0.248 acres (10,846 sqft)
Owner	Individual Name on Record
Last Sale	$391,000 (Apr 2025)
Tax Bill	$4,331 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Apr 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-25-37-35-0070-00060-2260`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0070-00060-2260`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,360 sqft Heated Area
Gross Area	2,840 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,846 sqft (0.248 acres)
Lot Dimensions	145 ft deep x 75 ft wide

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Shed Area	720 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3731 SE 28TH ST
City	OKEECHOBEE
State	FL
Zip	34974-6670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREASURE ISLAND UNIT NO. 6 (PLAT BOOK 3 PAGE 57) LOT 226
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Lot Number	226
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 December 5, 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	3731 SE 28TH ST, OKEECHOBEE, FL 34974-6670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2025	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Apr 29, 2024	Deed of Trust, Mortgage · Construction Mortgage MERCHANTS NE LLC A COLORADO LIMITED LIAB
Nov 16, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Apr 29, 2024 · Amount on Record
Deed Document Number	2025004268
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 22, 2025
Property Address	3731 SE 28TH ST, OKEECHOBEE, FL 34974-6670
Document Number	0000004268
Map Reference	MB 3 PG 57
Instrument Date	Apr 21, 2025
Instrument	2025004268
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13293 73RD ST N, WEST PALM BEACH, FL 33412-2702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3731 SE 28TH ST, OKEECHOBEE, FL 34974-6670

Mortgage

Document Number	0000004269
Date	Apr 22, 2025
Instrument	2025004269

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3731 SE 28TH ST, OKEECHOBEE, FL 34974-6670
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13293 73RD ST N, WEST PALM BEACH, FL 33412-2702

Mortgage

Document Number	0000004600
Date	Apr 29, 2024
Instrument	2024004600

Lender

Name	MERCHANTS NE LLC A COLORADO LIMITED LIAB
Type	Non-Lending Institution
Address	7400 E CRESTLINE CIR STE 250, GREENWOOD VILLAGE, CO 80111

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 18, 2025

Interest

Rate Type	Adjustable Rate

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 16, 2021
Property Address	3731 SE 28TH ST, OKEECHOBEE, FL 34974-6670
Document Number	2021014675
Map Reference	MB 3 PG 57
Instrument Date	Nov 1, 2021
Instrument	2021014675
Transaction Type	Transfer
Record Updated	Dec 9, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4277 SE 22ND CT, 4277, OKEECHOBEE, FL 34974-6559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3429 NW 40TH DR, OKEECHOBEE, FL 34972-1001

Tax Assessment & Valuation

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	$4,331.00 (+20.44%)	$315,857 (+48.82%) Land $60,000 Building $255,857	$315,857 (+48.82%) Land $60,000 Building $255,857
2023	$3,596.00 (+4.08%)	$212,237 (+1.71%) Land $34,000 Building $178,237	$212,237 (+1.71%) Land $34,000 Building $178,237
2022	$3,455.00	$208,676 Land $34,000 Building $174,676	$208,676 Land $34,000 Building $174,676

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 minimal risk
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.

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