4851 SE 128th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 4851 SE 128th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 1974
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Jan 2026)
Tax Bill	$4,779 (2025)
Deeds & Mortgages	Jan 2026 Sale & Second Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-02-38-36-0010-00000-0010`

Property Details

APN / Parcel Number

Primary APN	`1-02-38-36-0010-00000-0010`
Alternative APN	`R10238360010000000010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,175 sqft Living Area
Gross Area	1,927 sqft
1st Floor Area	2,759 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Prestressed Concrete
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)
Porch	Finished Screened Porch
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4851 SE 128TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK HAMMOCK (PLAT BOOK 6 PAGE 72) PARCEL 1
Legal Range	36E
Legal Township	38S
Legal Section	02
Legal Subdivision	OAK HAMMOCK
Legal Lot Number	1
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1012
Census Tract	910401

Owner

4851 SE 128th Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Okeechobee County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4851 SE 128TH AVE, OKEECHOBEE, FL 34974-1901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Warranty Deed, Transfer · Stand-Alone Second Mortgage EVERETT FINANCIAL INC
Mar 4, 2020	Warranty Deed, Transfer · Conventional with PMI CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2026 · Amount on File
Deed Sale	Jan 27, 2026 · Amount on File
Prior Sale	Oct 4, 2024 · Amount on File
Deed Document Number	2026898
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 27, 2026
Property Address	4851 SE 128TH AVE, OKEECHOBEE, FL 34974-1901
Document Number	0000000898
Map Reference	MB 6 PG 72
Instrument Date	Dec 23, 2025
Instrument	2026000898
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	UNKNOWN, AXIS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 NE ROYCE AVE, PORT ST LUCIE, FL 34983-1238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 SE 128TH AVE, OKEECHOBEE, FL 34974-1901

Mortgage

Document Number	0000000900
Date	Jan 27, 2026
Instrument	2026000900

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 4, 2020
Property Address	4851 SE 128TH AVE, OKEECHOBEE, FL 34974-1901
Document Number	0000002432
Instrument Date	Mar 3, 2020
Instrument	2432
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4851 SE 128TH AVE OKEECHOBEE FL 349741901, OKEECHOBEE, FL 34974-1901

Mortgage

Document Number	2433
Date	Mar 4, 2020
Instrument	2433

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4851 SE 128th Ave was $4,779.

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	$4,779.00	$336,965 Land $124,000 Building $212,965	$336,965 Land $124,000 Building $212,965
2023	$1,164.00 (+13.34%) Homeowner's exemption	$77,791 (+3%)	$259,593 (+20.64%) Land $71,000 Building $188,593
2022	$1,027.00 Homeowner's exemption	$75,525	$215,175 Land $58,000 Building $157,175

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4851 SE 128th Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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 File median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	4 (2004–2005)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2005 · Hurricane Wilma
Claims by Event	Hurricane Frances, Sep 2004 · 3 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

Wildfire risk around 4851 SE 128th Ave is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 60% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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