399 SW 18th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 399 SW 18th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,536 sqft · built 1992
Lot Size	0.523 acres (22,782 sqft)
Owner	Individual Name on File
Last Sale	$166,000 (Mar 2001)
Tax Bill	$4,660 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-28-37-35-0120-00250-0010`

Property Details

APN / Parcel Number

Primary APN	`3-28-37-35-0120-00250-0010`
Alternative APN	`R32837350120002500010`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,536 sqft Living Area
Gross Area	7,260 sqft
1st Floor Area	2,428 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,782 sqft (0.523 acres)
Lot Dimensions	120 ft deep x 190 ft wide
Pool Area	465 sqft
Porch	Screened/Unfinished Porch
Deck Area	938 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	399 SW 18TH ST
City	OKEECHOBEE
State	FL
Zip	34974-3447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK (PLAT BOOK 2 PAGE 28) LOTS 1 TO 4 INC BLOCK 25
Legal Range	35E
Legal Township	37S
Legal Section	28
Legal Subdivision	WOODLAND PARK
Legal Block	25
Legal Lot Number	1-4
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	5
Census Block	5002
Census Tract	910601

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · Unknown SOUTH STATE BANK NA
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 28, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA
Nov 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2001 · Amount on File
Deed Sale	Mar 6, 2001 · Amount on File
Deed Book / Page	451 / 893
Last Transfer Date	Dec 22, 2006
Transfer Doc	0006220998
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447

Mortgage

Document Number	0000014821
Date	Nov 15, 2022
Instrument	2022014821

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Unknown
Amount	Amount on Record
Term	300 Months
Due	Nov 14, 2047

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000510
Date	Jan 12, 2022
Instrument	2022000510

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447
Document Number	0000008931
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 SW 18TH ST OKEECHOBEE FL 349743447, OKEECHOBEE, FL 34974-3447

Mortgage

Document Number	0000008931
Date	Sep 17, 2020
Instrument	8931

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	OKEECHOBEE, FL 34974

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 16, 2030

Interest

Rate Type	Adjustable Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 19, 2019
Property Address	399 SW 18TH ST, OKEECHOBEE, FL 34974-3447
Document Number	0000011837
Instrument Date	Jun 3, 2013
Instrument	11837
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 SW 18TH ST OKEECHOBEE FL 349743447, OKEECHOBEE, FL 34974-3447

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Municipality	Okeechobee City
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,660.00 (+4.67%) Homeowner's exemption	$250,520 (+5.99%)	$456,745 (+4.32%) Land $54,130 Building $402,615
2023	$4,452.00 (+2.2%) Homeowner's exemption	$236,369 (+3.23%)	$437,820 (+19.14%) Land $36,087 Building $401,733
2022	$4,356.00 Homeowner's exemption	$228,967	$367,487 Land $27,065 Building $340,422

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	10 (2004–2012)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 5 claims Hurricane Frances, Sep 2004 · 3 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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