3856 SE 12th Dr, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 3856 SE 12th Dr, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,536 sqft · built 2006
Lot Size	0.353 acres (15,377 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (May 2015)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-24-37-35-0010-00160-008A`

Property Details

APN / Parcel Number

Primary APN	`1-24-37-35-0010-00160-008A`
Alternative APN	`R1243735001000160008A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,536 sqft Living Area
Gross Area	2,012 sqft
1st Floor Area	1,536 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,377 sqft (0.353 acres)
Lot Dimensions	200 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	204 sqft
Porch	Finished/Open Porch
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3856 SE 12TH DR
City	OKEECHOBEE
State	FL
Zip	34974-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A REVISED AND ADDITION TO PLAT OF CONNERS GABLES (PLAT BOOK 3 PAGE 15) A PORTION OF LOTS 7-16 OF BLOCK 16 OF THE SUBDIVISION ENTITLED "A REVISED AND ADDITION TO PLAT OF CONNERS GABLES" AS RECORDED IN PLAT BOOK 3, PAGE 15, OF THE PUBLIC RECORDS OF OKE
Legal Range	35E
Legal Township	37S
Legal Section	24
Legal Subdivision	CONNERS GABLES
Legal Block	16
Legal Lot Number	7
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2025
Census Tract	910402

Owner

3856 SE 12th Dr is owned and occupied by an individual who bought it in May 2015.

Source: Okeechobee County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3856 SE 12TH DR, OKEECHOBEE, FL 34974-3704
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2015 · Amount on File
Deed Sale	May 26, 2015 · Amount on File
Prior Sale	Nov 19, 2014 · Amount on File
Deed Document Number	20155002
Deed Book / Page	760 / 1234
Prior Transfer Date	Apr 5, 2006
Prior Transfer Doc	0000006385
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 27, 2026
Property Address	3856 SE 12TH DR, OKEECHOBEE, FL 34974-3704
Document Number	0000008272
Instrument Date	Jul 22, 2026
Instrument	20268272
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 SE 12TH DR, OKEECHOBEE, FL 34974-3704

Mortgage

Document Number	0000008272,
Date	Jul 27, 2026
Instrument	20268272

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3856 SE 12th Dr was $1,541 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	$1,541.00 Homeowner's exemption	$100,896	$221,206 Land $31,185 Building $190,021
2023	$1,406.00 (+11.23%) Homeowner's exemption	$95,196 (+3%)	$208,152 (+18.7%) Land $24,255 Building $183,897
2022	$1,264.00 Homeowner's exemption	$92,423	$175,356 Land $14,900 Building $160,456

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

Flood

FEMA maps place 3856 SE 12th Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

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 3856 SE 12th Dr is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20