440 NE 138th St, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 440 NE 138th St, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 1986
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,000 (Jul 2025)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-03-36-35-0020-00030-0280`

Property Details

APN / Parcel Number

Primary APN	`1-03-36-35-0020-00030-0280`
Alternative APN	`R10336350020000300280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,506 sqft Living Area
Gross Area	2,273 sqft
1st Floor Area	1,506 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	264 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 NE 138TH ST
City	OKEECHOBEE
State	FL
Zip	34972-8331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OKEECHOBEE HILLS SECTION ONE (PLAT BOOK 3 PAGE 41) LOT 28 BLOCK 3
Legal Range	35E
Legal Township	36S
Legal Section	03
Legal Subdivision	OKEECHOBEE HILLS SECTION ONE
Legal Block	3
Legal Lot Number	28
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	3
Census Block	3004
Census Tract	910101

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	440 NE 138TH ST, OKEECHOBEE, FL 34972-8331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	20257381
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 4, 2020
Property Address	440 NE 138TH ST, OKEECHOBEE, FL 34972-8331
Document Number	0000007446
Instrument Date	Aug 3, 2020
Instrument	7446
Transaction Type	Transfer
Record Updated	Sep 28, 2020
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 NE 138TH ST OKEECHOBEE FL 349728331, OKEECHOBEE, FL 34972-8331

Mortgage

Document Number	7447
Date	Aug 4, 2020
Instrument	7447

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of November 19, 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	$2,650.00 (+7.37%)	$181,769 (+5.99%)	$231,601 (-5.27%) Land $36,000 Building $195,601
2023	$2,468.00 (+7.26%) Homeowner's exemption	$171,501 (+3%)	$244,498 (+21.77%) Land $33,500 Building $210,998
2022	$2,301.00 Homeowner's exemption	$166,506	$200,779 Land $20,000 Building $180,779

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	12 (2004–2008)
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Frances, Sep 2004 · 8 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	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20