505 NW 12th St, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 505 NW 12th St, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1979
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Tax Bill	$1,229 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-15-37-35-0010-00210-0040`

Property Details

APN / Parcel Number

Primary APN	`3-15-37-35-0010-00210-0040`
Alternative APN	`R31537350010002100040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,380 sqft
1st Floor Area	1,000 sqft
Flooring	Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Open Porch
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	505 NW 12TH ST
City	OKEECHOBEE
State	FL
Zip	34972-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF OKEECHOBEE (PLAT BOOK 1 PAGE 10 & PLAT BOOK 5 PAGE 5) LOT 4 & EAST 25 FEET OF LOT 5 BLOCK 21
Legal Range	35E
Legal Township	37S
Legal Section	15
Legal Subdivision	CITY OF OKEECHOBEE
Legal Block	21
Legal Lot Number	4
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2020
Census Tract	910201

Owner

505 NW 12th St is owned and occupied by an individual who acquired it in July 2009.

Source: Okeechobee County records, as of November 19, 2025

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	Individual Name on File
Mailing Address	505 NW 12TH ST, OKEECHOBEE, FL 34972-2107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 26, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Mar 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2009
Deed Sale	Jul 2, 2009
Prior Sale	Jul 2, 2009 · Amount on File
Deed Document Number	20096885
Deed Book / Page	672 / 187
Prior Transfer Date	Jan 30, 2009
Prior Transfer Doc	0006670346
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	505 NW 12TH ST, OKEECHOBEE, FL 34972-2107
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004312
Date	Apr 7, 2021
Instrument	2021004312

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	505 NW 12TH ST, OKEECHOBEE, FL 34972-2107
Document Number	0008100926
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 NW 12TH ST OKEECHOBEE FL 349722107, OKEECHOBEE, FL 34972-2107

Mortgage

Document Number	0008100926
Date	Jul 11, 2018
Book Page	000810/000926
Instrument	8985

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 10, 2033

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	505 NW 12TH ST, OKEECHOBEE, FL 34972-2107
Document Number	0007880806
Book / Page	000788 / 000806
Instrument Date	Mar 21, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 NW 12TH ST OKEECHOBEE FL 349722107, OKEECHOBEE, FL 34972-2107

Mortgage

Document Number	0007880806
Date	Apr 3, 2017
Book Page	000788/000806
Instrument	3155

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 2, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 505 NW 12th St was $1,229 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Municipality	Okeechobee City
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,229.00 Homeowner's exemption	$76,108	$147,801 Land $22,500 Building $125,301
2023	$1,163.00 (+4.87%) Homeowner's exemption	$71,809 (+3%)	$148,554 (+22.21%) Land $11,550 Building $137,004
2022	$1,109.00 Homeowner's exemption	$69,717	$121,561 Land $7,088 Building $114,473

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

Flood

FEMA maps place 505 NW 12th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	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

Wildfire risk around 505 NW 12th St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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