412 SW 86th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 412 SW 86th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 2020
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Last Sale	$21,500 (Jun 2019)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2020 Construction Loan + 1 more
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0080-00000-0280`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0080-00000-0280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,720 sqft Heated Area
Gross Area	2,859 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	412 SW 86TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ACRES (PLAT BOOK 7 PAGES 59 & 60) LOT 28
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	EDGEWATER ACRES
Legal Lot Number	28
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

Owner

Source: Okeechobee County records, as of December 5, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	412 SW 86TH AVE, OKEECHOBEE, FL 34974-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage HE HILL FOUNDATION INC
Jan 27, 2020	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK NA
Jun 11, 2019	Warranty Deed, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	0008260476
Deed Book / Page	000826 / 000476
Last Transfer Date	Jan 4, 2023
Transfer Doc	0000000042
Record Updated	Jun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 4, 2023
Property Address	412 SW 86TH AVE, OKEECHOBEE, FL 34974-1530
Document Number	0000000042
Map Reference	MB 7 PG 59
Instrument Date	Dec 21, 2022
Instrument	2023000042
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	EVERGLADES TITLE COMPANY, EVERGLADES ABSTRACT & TTL CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 FLATWOOD DRIVE, WETUMPKA, AL 36092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SW 86TH AVE, OKEECHOBEE, FL 34974-1530

Mortgage

Document Number	0000000043
Date	Jan 4, 2023
Instrument	2023000043

Lender

Name	HE HILL FOUNDATION INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	412 SW 86TH AVE, OKEECHOBEE, FL 34974-1530
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000933
Date	Jan 27, 2020
Instrument	2020000933

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 11, 2019
Property Address	412 SW 86TH AVE, OKEECHOBEE, FL 34974-1530
Document Number	0008260476
Book / Page	000826 / 000476
Instrument Date	Jun 11, 2019
Instrument	6113
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$150.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8678 SW 7TH LN OKEECHOBEE FL 349741532, OKEECHOBEE, FL 34974-1532

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,306.00 (-12.75%) Homeowner's exemption	$354,648 (+1.7%) Land $38,000 Building $316,648	$354,648 (+1.7%) Land $38,000 Building $316,648
2023	$4,935.00 (+5.13%) Homeowner's exemption	$348,709 (+10.71%) Land $32,000 Building $316,709	$348,709 (+10.71%) Land $32,000 Building $316,709
2022	$4,694.00	$314,988 Land $23,000 Building $291,988	$314,988 Land $23,000 Building $291,988

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

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 92 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2024 · Hurricane Debby

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	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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