412 SE 4th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 412 SE 4th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,005 sqft · built 1990
Lot Size	0.244 acres (10,629 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2023)
Tax Bill	$2,631 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3-22-37-35-0030-000D0-0090`

Property Details

APN / Parcel Number

Primary APN	`3-22-37-35-0030-000D0-0090`
Alternative APN	`R32237350030000D00090`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,005 sqft Living Area
Gross Area	1,077 sqft
1st Floor Area	1,005 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
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
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 SE 4TH ST
City	OKEECHOBEE
State	FL
Zip	34974-4438
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 9 & WEST 1/2 OF LOT 8 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	9
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	3
Census Block	3003
Census Tract	910500

Owner

Source: Okeechobee County records · APN 3-22-37-35-0030-000D0-0090

Assessment roll updated November 19, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	412 SE 4TH ST, OKEECHOBEE, FL 34974-4438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Deed Document Number	202314298
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	0007641932
Record Updated	Jun 08, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 20, 2023
Property Address	412 SE 4TH ST, OKEECHOBEE, FL 34974-4438
Document Number	0000014298
Map Reference	MB 2 PG 39
Instrument Date	Dec 20, 2023
Instrument	2023014298
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	990 SE 23RD ST, OKEECHOBEE, FL 34974-5392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SE 4TH ST, OKEECHOBEE, FL 34974-4438

Mortgage

Document Number	0000014299
Date	Dec 20, 2023
Instrument	2023014299

Lender

Name	LOUIS SAMUEL HANCOCK AND PAMELA GAY
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

Interest

Rate	7%

Tax Assessment & Valuation

Source: Okeechobee County records · Assessment roll updated November 19, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,631.00 (-8.2%)	$147,375 (+1.16%)	$148,472 (+1.91%) Land $30,000 Building $118,472
2023	$2,866.00 (+10.49%)	$145,692 (+20.47%) Land $24,750 Building $120,942	$145,692 (+20.47%) Land $24,750 Building $120,942
2022	$2,594.00	$120,932 Land $18,000 Building $102,932	$120,932 Land $18,000 Building $102,932

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 16, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 251 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OKEECHOBEE UTILITY AUTHORITY serves 20,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.