509 SE 12th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 509 SE 12th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1970
Lot Size	0.332 acres (14,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Nov 2023)
Tax Bill	$3,185 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-22-37-35-0230-00080-0050`

Property Details

APN / Parcel Number

Primary APN	`3-22-37-35-0230-00080-0050`
Alternative APN	`R32237350230000800050`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,804 sqft
1st Floor Area	864 sqft
Utility Area	96 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,462 sqft (0.332 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	192 sqft
Porch	Finished/Open Porch
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	509 SE 12TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WRIGHTS FIRST ADDITION TO OKEECHOBEE (PLAT BOOK 1 PAGE 13) LOTS 5 & 6 BLOCK 8
Legal Range	35E
Legal Township	37S
Legal Section	22
Legal Subdivision	WRIGHTS FIRST ADDITION TO OKEECHOBEE
Legal Block	8
Legal Lot Number	5,6
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1021
Census Tract	910500

Owner

Source: Okeechobee County records, as of October 13, 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	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST BANK
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Nov 13, 2023	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Aug 17, 2004 · Amount on Record
Deed Document Number	202312884
Prior Transfer Date	Feb 19, 2009
Prior Transfer Doc	0000002037
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 10, 2026
Property Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629
Document Number	0000010139
Instrument Date	Sep 4, 2026
Instrument	202610139
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629

Mortgage

Document Number	0000010139,
Date	Sep 10, 2026
Instrument	202610139

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008087
Date	Jun 13, 2022
Instrument	2022008087

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	OKEECHOBEE, FL 34974

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 13, 2023
Property Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629
Document Number	0000012884
Map Reference	MB 5 PG 4
Instrument Date	Nov 8, 2023
Instrument	2023012884
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ALLY PARKER BROWN TITLE INSURANCE, ALLY PARKER BROWN TTL INS AG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1636 4TH AVE SW, VERO BEACH, FL 32962-6661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SE 12TH AVE, OKEECHOBEE, FL 34974-4629

Mortgage

Document Number	0000012885
Date	Nov 13, 2023
Instrument	2023012885

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

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	$3,185.00 (+196.83%)	$175,537 (+218%) Land $27,225 Building $148,312	$175,537 (+18.79%) Land $27,225 Building $148,312
2023	$1,073.00 (+5.09%) Homeowner's exemption	$55,200 (+3%)	$147,773 (+20.22%) Land $17,820 Building $129,953
2022	$1,021.00 Homeowner's exemption	$53,592	$122,919 Land $12,375 Building $110,544

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 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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Verizon.

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