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4232 SW 16th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 4232 SW 16th St, Okeechobee, FL 34974

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,982 sqft · built 1981
Lot Size6.32 acres (275,299 sqft)
Owner2 Individual Names on Record
Last Sale$352,000 (Dec 2017)
Tax Bill$4,706 (2025)
Deeds & MortgagesSep 2020 Mortgage
Dec 2018 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN1-30-37-35-0A00-00003-G000

Property Details

APN / Parcel Number

Primary APN1-30-37-35-0A00-00003-G000

Interior

Full Baths3 Baths
Building Area3,982 sqft Heated Area
Gross Area4,829 sqft
FlooringCarpet
Interior WallsWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area275,299 sqft (6.32 acres)
Garage TypeCarport
CarportCarport
Pool TypePool with Hot Tub/Spa
Pool Area705 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4232 SW 16TH ST
CityOKEECHOBEE
StateFL
Zip34974-5448
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE WEST 220.03 FEET OF GOVERNMENT LOT 3 OF SECTION 30, TOWNSHIP 37 SOUTH, RANGE 35 EAST, LESS AND EXCEPT THE NORTH FIFTY (50
Legal Range35E
Legal Township37S
Legal Section30
Legal SubdivisionSOUTHERN COLONIZATION CO
Legal Lot Number3
JurisdictionOKEECHOBEE FL
Township / Civil DivisionOKEECHOBEE
Census Block Group2
Census Block2000
Census Tract910602

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
SOUTH ST BK
Dec 7, 2018Deed of Trust, Mortgage · Line of Credit
THIRD FED'L S&L ASSN/CLEVELAND
Jun 22, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Dec 29, 2017Warranty Deed, Transfer · Conventional Mortgage
STATE FARM BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2017 · Amount on Record
Deed SaleDec 29, 2017 · Amount on Record
Prior SaleDec 14, 2005 · Amount on Record
Deed Document Number0000800672
Deed Book / Page0800 / 0672
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448
Document Number0000008668
Instrument DateSep 4, 2020
Transaction TypeMortgage
Record UpdatedOct 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4232 SW 16TH ST OKEECHOBEE FL 349745448, OKEECHOBEE, FL 34974-5448

Mortgage

Document Number0000008668
DateSep 10, 2020
Instrument8668
Lender
NameSOUTH ST BK
TypeBank
AddressWINTER HAVEN, FL 33880
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 9, 2035

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKEECHOBEE FL
Property Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448
Document Number0008180788
Instrument DateDec 7, 2018
Transaction TypeMortgage
Record UpdatedFeb 8, 2019
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4232 SW 16TH ST OKEECHOBEE FL 349745448, OKEECHOBEE, FL 34974-5448

Mortgage

Document Number0008180788
DateJan 9, 2019
Book Page000818/000788
Instrument303
Lender
NameTHIRD FED'L S&L ASSN/CLEVELAND
AddressCLEVELAND, OH 44105
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 8, 2049
Interest
Rate TypeAdjustable Rate

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateJun 22, 2018
Property Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448
Document Number0008090913
Book / Page000809 / 000913
Instrument DateJun 22, 2018
Instrument8236
Transaction TypeTransfer
Record UpdatedAug 8, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$560.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address826 B RD LABELLE FL 339359482, LABELLE, FL 33935-9482

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKEECHOBEE FL
Recording DateDec 29, 2017
Property Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448
Document Number0008000672
Book / Page0800 / 0672
Instrument DateDec 29, 2017
Instrument2017012656
Transaction TypeTransfer
Record UpdatedMay 25, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,464.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4232 SW 16TH ST, 4232, OKEECHOBEE, FL 34974-5448

Transferred To (Grantee/Buyer)

NameVerified Name
Address4232 SW 16TH ST, OKEECHOBEE, FL 34974-5448

Mortgage

Document Number2017012657
DateDec 29, 2017
Instrument2017012657
Lender
NameSTATE FARM BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkeechobee County
Unified School DistrictOkeechobee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,706.00 (-8.12%) Homeowner's exemption$383,827 (+5.99%)$683,638 (+11.12%) Land $271,520 Building $412,118
2023$5,122.00 (+4.68%) Homeowner's exemption$362,146 (+3%)$615,209 (+18.56%) Land $173,306 Building $441,903
2022$4,893.00 Homeowner's exemption$351,598$518,921 Land $155,336 Building $363,585

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 92 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies92 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 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 RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Verizon
Fixed Wireless		25 / 6

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