411 SE 5th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 411 SE 5th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1989
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jun 2022)
Tax Bill	$3,533 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`3-22-37-35-0030-000D0-0160`

Property Details

APN / Parcel Number

Primary APN	`3-22-37-35-0030-000D0-0160`
Alternative APN	`R32237350030000D00160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,629 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Finished Screened Porch
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 SE 5TH ST
City	OKEECHOBEE
State	FL
Zip	34974-4459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTRAL PARK, AN ADDITION TO THE CITY OF OKEECHOBEE (PLAT BOOK 2 PAGE 39) LOT 16 & WEST 1/2 OF LOT 17 BLOCK D
Legal Range	35E
Legal Township	37S
Legal Section	22
Legal Subdivision	CENTRAL PARK, AN ADDITION TO THE CITY OF
Legal Block	D
Legal Lot Number	16
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	3
Census Block	3003
Census Tract	910500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jun 2, 2022	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	20227630
Prior Transfer Date	Jun 12, 2020
Prior Transfer Doc	0000005524
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 14, 2026
Property Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459
Document Number	0000007731
Instrument Date	Jun 18, 2026
Instrument	20267731
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459

Mortgage

Document Number	0000007731,
Date	Jul 14, 2026
Instrument	20267731

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 2, 2022
Property Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459
Document Number	0000007630
Map Reference	MB 2 PG 39
Instrument Date	May 31, 2022
Instrument	2022007630
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2536 SE 31ST ST, 2536, OKEECHOBEE, FL 34974-6745

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459

Mortgage

Document Number	0000007631
Date	Jun 2, 2022
Instrument	2022007631

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Mortgage

Document Number	0000007632
Date	Jun 2, 2022
Instrument	2022007632

Lender

Name	OKEECHOBEE COUNTY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 15, 2020
Property Address	411 SE 5TH ST, OKEECHOBEE, FL 34974-4459
Document Number	0000005524
Instrument Date	Jan 12, 2020
Instrument	5524
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 SE 5TH ST OKEECHOBEE FL 349744459, OKEECHOBEE, FL 34974-4459

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	$3,533.00 Homeowner's exemption	$193,216 (+1.13%) Land $30,000 Building $163,216	$193,216 (+1.13%) Land $30,000 Building $163,216
2023	$3,533.00 (+213.49%) Homeowner's exemption	$191,051 (+161.39%) Land $24,750 Building $166,301	$191,051 (+21.77%) Land $24,750 Building $166,301
2022	$1,127.00 Homeowner's exemption	$73,091	$156,901 Land $18,000 Building $138,901

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 73 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	10 (2004–2022)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 5 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 251 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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