486 SE 16th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 486 SE 16th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,460 sqft · built 1969
Lot Size	0.976 acres (42,515 sqft)
Owner	2 Individual Names on File
Last Sale	$254,000 (Sep 2017)
Tax Bill	$2,302 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-23-37-35-0010-00040-0070`

Property Details

APN / Parcel Number

Primary APN	`1-23-37-35-0010-00040-0070`
Alternative APN	`R12337350010000400070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,460 sqft Living Area
Gross Area	2,975 sqft
1st Floor Area	2,902 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	42,515 sqft (0.976 acres)
Lot Dimensions	284 ft deep x 100 ft wide
Porch	Enclosed/Unfinished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	486 SE 16TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BET-HER ACRES (PLAT BOOK 3 PAGE 12) LOT 7 BLOCK 4
Legal Range	35E
Legal Township	37S
Legal Section	23
Legal Subdivision	BET-HER ACRES
Legal Block	4
Legal Lot Number	7
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1000
Census Tract	910500

Owner

Source: Okeechobee County assessment roll, as of November 19, 2025

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 File
Mailing Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · VA Mortgage EMM LOANS LLC
Jul 20, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Oct 8, 2004 · Amount on Record
Deed Document Number	20178678
Deed Book / Page	795 / 1312
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743

Mortgage

Document Number	0000003608
Date	Mar 31, 2026
Instrument	2026003608

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743

Mortgage

Document Number	0000009875
Date	Jul 20, 2022
Instrument	2022009875

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 5, 2017
Property Address	486 SE 16TH AVE, OKEECHOBEE, FL 34974-4743
Document Number	0007951312
Book / Page	000795 / 001312
Instrument Date	Sep 1, 2017
Instrument	8678
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,778.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	486 SE 16TH AVE OKEECHOBEE FL 349744743, OKEECHOBEE, FL 34974-4743

Mortgage

Document Number	7951314
Date	Sep 5, 2017
Book Page	000795/001314
Instrument	8679

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

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	$2,302.00 (+7.12%) Homeowner's exemption	$156,346 (+5.22%)	$316,956 (+6.02%) Land $53,550 Building $263,406
2023	$2,149.00 (+7.99%) Homeowner's exemption	$148,583 (+3%)	$298,963 (+30.29%) Land $43,313 Building $255,650
2022	$1,990.00 Homeowner's exemption	$144,255	$229,457 Land $27,563 Building $201,894

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	8 (1992–2012)
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 4 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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OKEECHOBEE UTILITY AUTHORITY serves 20,000 people · EPA ID FL4470257
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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