Okeechobee County property record for 405 SW 12th St, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,764 sqft · built 1959 |
| Lot Size | 0.405 acres (17,685 sqft) |
| Owner | Owner Name on File |
| Last Sale | $120,000 (Jan 2010) |
| Tax Bill | $3,935 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-21-37-35-0070-00010-0070 |
| Primary APN | 3-21-37-35-0070-00010-0070 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,764 sqft Heated Area |
| Gross Area | 2,607 sqft |
| Utility Area | 200 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1959 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 17,685 sqft (0.405 acres) |
| Lot Dimensions | 133 ft deep x 133 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Patio Area | 249 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 405 SW 12TH ST |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-5253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OSCEOLA PARK (PLAT BOOK 2 PAGE 99) LOT 7 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 21 |
| Legal Subdivision | OSCEOLA PARK |
| Legal Lot Number | 7 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 910601 |
The current owner of 405 SW 12th St bought it in January 2010.
Source: Okeechobee County records, as of December 5, 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 | Owner Name on File |
|---|---|
| Mailing Address | 400 SW 12TH ST, OKEECHOBEE, FL 34974-5254 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2010 · Amount on File |
| Deed Sale | Jan 4, 2010 · Amount on File |
| Deed Document Number | 2010000013 |
| Deed Book / Page | 0681 / 0155 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 405 SW 12TH ST, OKEECHOBEE, FL 34974-5253 |
| Document Number | 0008191049 |
| Instrument Date | Jan 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 405 SW 12TH ST OKEECHOBEE FL 349745253, OKEECHOBEE, FL 34974-5253 |
| Document Number | 0008191049 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 000819/001049 |
| Instrument | 1189 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2049 |
The 2025 property tax bill for 405 SW 12th St was $3,935.
Source: Okeechobee County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Municipality | Okeechobee City |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,935.00 | $212,268 Land $53,965 Building $158,303 | $212,268 Land $53,965 Building $158,303 |
| 2023 | $3,989.00 (+6.15%) | $194,097 (+4.76%) Land $41,902 Building $152,195 | $194,097 (+4.76%) Land $41,902 Building $152,195 |
| 2022 | $3,758.00 | $185,282 Land $29,205 Building $156,077 | $185,282 Land $29,205 Building $156,077 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 SW 12th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 | 4 in force |
| Nearby Flood Claims | 3 (2012–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2018 · other causes |
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 risk around 405 SW 12th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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