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

Okeechobee County property record for 406 SW 18th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,244 sqft · built 2002
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2017)
Tax Bill	$3,280 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-28-37-35-0120-00200-0130`

Property Details

APN / Parcel Number

Primary APN	`3-28-37-35-0120-00200-0130`
Alternative APN	`R32837350120002000130`

Interior

Full Baths	2 Baths
Building Area	1,244 sqft Living Area
Gross Area	2,087 sqft
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	103 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Pool Area	200 sqft
Porch	Screened/Unfinished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 SW 18TH ST
City	OKEECHOBEE
State	FL
Zip	34974-3444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK (PLAT BOOK 2 PAGE 28) LOTS 13 & 14 BLOCK 20
Legal Range	35E
Legal Township	37S
Legal Section	28
Legal Subdivision	WOODLAND PARK
Legal Block	20
Legal Lot Number	13,14
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	5
Census Block	5002
Census Tract	910601

Owner

406 SW 18th St is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
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

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Jun 12, 2017	Warranty Deed, Transfer · FHA Mortgage HARBOR COMMUNITY BANK
Apr 25, 2017	Quit Claim Deed, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on File
Deed Sale	Jun 12, 2017 · Amount on File
Prior Sale	Apr 1, 2017 · Amount on File
Deed Document Number	20175967
Deed Book / Page	791 / 1762
Prior Transfer Date	Jun 8, 2017
Prior Transfer Doc	0007911762
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444

Mortgage

Document Number	0000000651
Date	Jan 23, 2023
Instrument	2023000651

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 20, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444

Mortgage

Document Number	2021004625
Date	Apr 14, 2021
Instrument	2021004625

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
Document Number	0000003998
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 SW 18TH ST OKEECHOBEE FL 349743444, OKEECHOBEE, FL 34974-3444

Mortgage

Document Number	0000003998
Date	Apr 29, 2020
Instrument	3998

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 28, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 12, 2017
Property Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
Document Number	0007911762
Book / Page	0791 / 1762
Map Reference	MB2 PG28
Instrument Date	Jun 8, 2017
Instrument	2017005967
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	OKEE TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 SW 18TH ST, 406, OKEECHOBEE, FL 34974-3444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444

Mortgage

Document Number	7911765
Date	Jun 12, 2017
Instrument	0791/1765

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 25, 2017
Property Address	406 SW 18TH ST, OKEECHOBEE, FL 34974-3444
Document Number	0007891406
Book / Page	000789 / 001406
Instrument Date	Apr 24, 2017
Instrument	4280
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SW 18TH ST OKEECHOBEE FL 349743444, OKEECHOBEE, FL 34974-3444

Tax Assessment & Valuation

The 2025 property tax bill for 406 SW 18th St was $3,280 with a homeowner's exemption.

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	$3,280.00 Homeowner's exemption	$180,385	$282,708 Land $31,050 Building $251,658
2023	$3,110.00 (+5.64%) Homeowner's exemption	$170,195 (+5.42%)	$272,358 (+22.6%) Land $20,700 Building $251,658
2022	$2,944.00 Homeowner's exemption	$161,439	$222,150 Land $15,525 Building $206,625

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

Flood

FEMA maps place 406 SW 18th St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2004.

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

Wildfire risk around 406 SW 18th St is low, with a 0.04% 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	0.04% annual chance
Exposure	None beyond 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 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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