408 SW 15th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 408 SW 15th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,100 sqft · built 1958
Lot Size	0.58 acres (25,265 sqft)
Owner	Trust Name on File
Tax Bill	$1,385 (2025)
Deeds & Mortgages	Dec 2025 Transfer May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-21-37-35-0110-00010-0040`

Property Details

APN / Parcel Number

Primary APN	`3-21-37-35-0110-00010-0040`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,100 sqft Heated Area
Gross Area	3,352 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	253 ft deep x 100 ft wide
Porch	Open Porch
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	408 SW 15TH ST
City	OKEECHOBEE
State	FL
Zip	34974-5262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEDDER PARK SUBDIVISION (PLAT BOOK 3 PAGE 10) LOTS 4 & 4A
Legal Range	35E
Legal Township	37S
Legal Section	21
Legal Subdivision	TEDDER PARK SUBDIVISION
Legal Lot Number	4,4A
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	4
Census Block	4059
Census Tract	910601

Owner

408 SW 15th St is owner-occupied and held in a trust since December 2025.

Source: Okeechobee County records, as of January 13, 2026

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Dec 29, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Jun 25, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 29, 2025
Transfer Doc	0000014629
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 29, 2025
Property Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262
Document Number	0000014629
Map Reference	MB 3 PG 10
Instrument Date	Dec 15, 2025
Instrument	2025014629
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262

Mortgage

Document Number	0000005221
Date	May 1, 2023
Instrument	2023005221

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	408 SW 15TH ST, OKEECHOBEE, FL 34974-5262
Document Number	0008290120
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SW 15TH ST OKEECHOBEE FL 349745262, OKEECHOBEE, FL 34974-5262

Mortgage

Document Number	0008290120
Date	Aug 12, 2019
Book Page	000829/000120
Instrument	8491

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 408 SW 15th St was $1,385 with exemptions applied.

Source: Okeechobee County assessment roll, as of July 1, 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	$1,385.00 Homeowner's exemption Widower's exemption	$119,126	$292,200 Land $46,750 Building $245,450
2023	$1,938.00 (+4.7%) Homeowner's exemption	$112,397 (+3%)	$272,296 (+29.8%) Land $36,300 Building $235,996
2022	$1,851.00 Homeowner's exemption	$109,123	$209,787 Land $25,300 Building $184,487

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

Flood

FEMA maps place 408 SW 15th 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

Wildfire risk around 408 SW 15th St is low, with a 0.05% 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	0.05% 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 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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