3818 NW 28th Ave, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 3818 NW 28th Ave, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2004
Lot Size	0.355 acres (15,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,900 (Mar 2005)
Tax Bill	$1,257 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`1-05-37-35-0020-00250-0160`

Property Details

APN / Parcel Number

Primary APN	`1-05-37-35-0020-00250-0160`
Alternative APN	`R10537350020002500160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,296 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,464 sqft (0.355 acres)
Lot Dimensions	125 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished Screened Porch
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3818 NW 28TH AVE
City	OKEECHOBEE
State	FL
Zip	34972-1487
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BASSWOOD INCORPORATED UNIT NUMBER 2 (PLAT BOOK 3 PAGE 28) LOT 16 BLOCK 25
Legal Range	35E
Legal Township	37S
Legal Section	05
Legal Subdivision	BASSWOOD INCORPORATED UNIT NUMBER 2
Legal Block	25
Legal Lot Number	16
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1035
Census Tract	910201

Owner

Source: Okeechobee County records, as of November 19, 2025

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 Record
Mailing Address	3818 NW 28TH AVE, OKEECHOBEE, FL 34972-1487
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2005 · Amount on Record
Deed Sale	Mar 8, 2005 · Amount on Record
Deed Document Number	20054677
Deed Book / Page	555 / 1844
Prior Transfer Date	Mar 7, 2005
Prior Transfer Doc	0000004675
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3818 NW 28TH AVE, OKEECHOBEE, FL 34972-1487
Document Number	0000000318
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3818 NW 28TH AVE OKEECHOBEE FL 349721487, OKEECHOBEE, FL 34972-1487

Mortgage

Document Number	0000000318
Date	Jan 12, 2021
Instrument	318

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 11, 2036

Tax Assessment & Valuation

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	$1,257.00 (+10.85%) Homeowner's exemption	$80,200 (+5.99%)	$227,513 (+4.12%) Land $26,500 Building $201,013
2023	$1,134.00 (+12.06%) Homeowner's exemption	$75,670 (+3%)	$218,513 (+26.6%) Land $17,500 Building $201,013
2022	$1,012.00 Homeowner's exemption	$73,466	$172,599 Land $12,000 Building $160,599

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 137 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	137 in force
Nearby Flood Claims	52 (2004–2021)
Claims Outside the SFHA	3 of 52
Most Recent Claim	Feb 2021 · rainfall accumulation
Claims by Event	Tropical Storm Fay, Aug 2008 · 15 claims Hurricane Wilma, Oct 2005 · 9 claims Hurricane Frances, Sep 2004 · 11 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	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20