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

Okeechobee County property record for 491 SW 86th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,279 sqft · built 2019
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$322,000 (Jun 2020)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0080-00000-0320`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0080-00000-0320`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,279 sqft Heated Area
Gross Area	3,277 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	491 SW 86TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ACRES (PLAT BOOK 7 PAGES 59 & 60) LOT 32
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	EDGEWATER ACRES
Legal Lot Number	32
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

Owner

491 SW 86th Ave is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC
Jun 10, 2020	Deed of Trust, Mortgage · FHA Mortgage MID AMERICA MTG
Jun 15, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage MID AMERICA MTG
Apr 18, 2017	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 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Prior Sale	Apr 18, 2017 · Amount on File
Deed Document Number	2020005521
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547

Mortgage

Document Number	0000003127
Date	Mar 21, 2024
Instrument	2024003127

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	26637 AGOURA RD # 100, CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547
Document Number	0000005522
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 SE 25TH DR OKEECHOBEE FL 349746482, OKEECHOBEE, FL 34974-6482

Mortgage

Document Number	0000005522
Date	Jun 15, 2020
Instrument	5522

Lender

Name	MID AMERICA MTG
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 15, 2020
Property Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547
Document Number	0000005521
Instrument Date	Jun 5, 2020
Instrument	5521
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 30, 2020
Title Company	CLEAR TITLE, CLEAR TITLE & LEGAL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,254.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 SW 86TH AVE OKEECHOBEE FL 349741547, OKEECHOBEE, FL 34974-1547

Mortgage

Document Number	5522
Date	Jun 15, 2020
Instrument	5522

Lender

Name	MID AMERICA MTG
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 18, 2017
Property Address	491 SW 86TH AVE, OKEECHOBEE, FL 34974-1547
Document Number	0007890620
Book / Page	000789 / 000620
Instrument Date	Apr 17, 2017
Instrument	3918
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	203 SW 4TH ST OKEECHOBEE FL 349744334, OKEECHOBEE, FL 34974-4334
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 491 SW 86th Ave was $3,913 with a homeowner's exemption.

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	$3,913.00 Homeowner's exemption	$326,004	$401,774 Land $38,000 Building $363,774
2023	$4,362.00 (+5.08%) Homeowner's exemption	$307,588 (+3%)	$395,959 (+12.76%) Land $32,000 Building $363,959
2022	$4,151.00 Homeowner's exemption	$298,629	$351,164 Land $23,000 Building $328,164

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

Flood

FEMA maps place 491 SW 86th Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 491 SW 86th Ave is moderate, ranking above 56% of the US, with a 0.2% annual chance of 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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