5108 SE 43rd Trce, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 5108 SE 43rd Trce, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 825 sqft · built 1985
Lot Size	0.38 acres (16,554 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,667 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1-31-37-36-0020-0003A-0090`

Property Details

APN / Parcel Number

Primary APN	`1-31-37-36-0020-0003A-0090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	825 sqft Heated Area
Gross Area	1,283 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,554 sqft (0.38 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5108 SE 43RD TRCE
City	OKEECHOBEE
State	FL
Zip	34974-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF KING'S BAY (PLAT BOOK 5 PAGES 97 THROUGH 99) LOT 9 & WEST 1/2 OF LOT 10 BLOCK 3A AND A PARCEL OF LAND BEING A PORTI
Legal Range	36E
Legal Township	37S
Legal Section	31
Legal Subdivision	KING'S
Legal Block	2
Legal Lot Number	9,WEST
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	3
Census Block	3004
Census Tract	910403

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Okeechobee Battlefield listed 1966 · 1 contributing resources · National Historic Landmark (designated 1961) · NRIS 66000269

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Okeechobee County records, as of December 5, 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 Record
Co-owner	Co-owner on Record
Mailing Address	5108 SE 43RD TRCE, OKEECHOBEE, FL 34974-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022
Deed Sale	Dec 15, 2022
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Document Number	2019011173
Prior Transfer Date	Oct 29, 2019
Prior Transfer Doc	2019011173
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Oct 29, 2019
Property Address	5108 SE 43RD TRCE, OKEECHOBEE, FL 34974-2311
Document Number	0000011173
Instrument Date	Oct 29, 2019
Instrument	11173
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	LAKE OKEECHOBEE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5108 SE 43RD TRCE OKEECHOBEE FL 349742311, OKEECHOBEE, FL 34974-2311

Mortgage

Document Number	11174
Date	Oct 29, 2019
Instrument	11174

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Mortgage

Document Number	11175,
Date	Oct 29, 2019
Instrument	11175

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2029

Tax Assessment & Valuation

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	$1,667.00 (-27.58%) Homeowner's exemption	$162,213 (+1.84%) Land $32,000 Building $130,213	$162,213 (+1.84%) Land $32,000 Building $130,213
2023	$2,302.00 (+186.32%) Homeowner's exemption	$159,289 (+74.64%) Land $18,000 Building $141,289	$159,289 (+24.41%) Land $18,000 Building $141,289
2022	$804.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$91,209	$128,031 Land $12,500 Building $115,531

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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