3831 SE 28th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3831 SE 28th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,256 sqft · built 1973
Lot Size	0.249 acres (10,846 sqft)
Owner	2 Individual Names on Record
Last Sale	$101,900 (Mar 2025)
Tax Bill	$2,598 (2025)
Deeds & Mortgages	Jul 2023 Sale Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1-25-37-35-0070-00060-2210`

Property Details

APN / Parcel Number

Primary APN	`1-25-37-35-0070-00060-2210`
Alternative APN	`R12537350070000602210`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,256 sqft Living Area
Gross Area	1,864 sqft
1st Floor Area	1,256 sqft
Flooring	Plywood
Interior Walls	Unfinished

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,846 sqft (0.249 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Porch	Florida Room
Boat House	180 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3831 SE 28TH ST
City	OKEECHOBEE
State	FL
Zip	34974-6625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TREASURE ISLAND UNIT NO. 6 (PLAT BOOK 3 PAGE 57) LOT 221
Legal Range	35E
Legal Township	37S
Legal Section	25
Legal Subdivision	TREASURE ISLAND UNIT NO 6
Legal Lot Number	221
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 February 2, 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 Record
Mailing Address	990 SE 23RD ST, OKEECHOBEE, FL 34974-5392
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 4, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2025 · Amount on Record
Deed Sale	Mar 25, 2025 · Amount on Record
Prior Sale	Jul 3, 2023 · Amount on Record
Deed Document Number	20253039
Prior Transfer Date	Jun 30, 2023
Prior Transfer Doc	0000007951
Record Updated	Sep 20, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 3, 2023
Property Address	3831 SE 28TH ST, OKEECHOBEE, FL 34974-6625
Document Number	0000007951
Map Reference	MB 3 PG 57
Instrument Date	Jun 30, 2023
Instrument	2023007951
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Amount	Amount Recorded
Tax	$231.70
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3918 SW LAFFITE ST, PORT SAINT LUCIE, FL 34953-3659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 SANTOS ST, SAN ANTONIO, TX 78210-1378

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3831 SE 28TH ST, OKEECHOBEE, FL 34974-6625
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 SE 28TH ST, OKEECHOBEE, FL 34974-6625

Mortgage

Document Number	0000009154
Date	Jul 5, 2022
Instrument	2022009154

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	186 Months
Due	Jan 20, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	3831 SE 28TH ST, OKEECHOBEE, FL 34974-6625
Document Number	0007941378
Book / Page	000794 / 001378
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 SE 28TH ST OKEECHOBEE FL 349746625, OKEECHOBEE, FL 34974-6625

Mortgage

Document Number	0007941378
Date	Aug 14, 2017
Book Page	000794/001378
Instrument	8040

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

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	$2,598.00 (+21.63%)	$137,378 (+27.99%) Land $60,000 Building $77,378	$137,378 (+27.99%) Land $60,000 Building $77,378
2023	$2,136.00 (+206.02%)	$107,333 (+101.63%) Land $34,000 Building $73,333	$107,333 (+1.77%) Land $34,000 Building $73,333
2022	$698.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed	$53,233	$105,462 Land $34,000 Building $71,462

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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