5132 SE 44th St, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 5132 SE 44th St, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 825 sqft · built 1985
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Apr 2023)
Tax Bill	$2,191 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1-31-37-36-0020-0002A-0030`

Property Details

APN / Parcel Number

Primary APN	`1-31-37-36-0020-0002A-0030`
Alternative APN	`R131373600200002A0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	825 sqft Living Area
Gross Area	1,489 sqft
1st Floor Area	825 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,922 sqft (0.113 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5132 SE 44TH ST
City	OKEECHOBEE
State	FL
Zip	34974-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF KINGS BAY (PLAT BOOK 5 PAGES 97 THROUGH 99) LOT 3 BLOCK 2A
Legal Range	36E
Legal Township	37S
Legal Section	31
Legal Subdivision	KINGS BAY
Legal Block	2A
Legal Lot Number	3
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

5132 SE 44th St is owned and occupied by an individual who bought it in April 2023.

Source: Okeechobee County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Feb 2, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2023	Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 2, 2017	Grant Deed, Transfer · Conventional with PMI CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2023 · Amount on File
Deed Sale	Apr 3, 2023 · Amount on File
Prior Sale	Nov 19, 2021 · Amount on File
Deed Document Number	20234010
Prior Transfer Date	Nov 21, 2001
Prior Transfer Doc	0466001686
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336

Mortgage

Document Number	0000001087
Date	Feb 2, 2026
Instrument	2026001087

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Jun 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 3, 2023
Property Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336
Document Number	0000004010
Map Reference	MB 5 PG 97
Instrument Date	Mar 30, 2023
Instrument	2023004010
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 GOLDEN LN, LAFAYETTE, IN 47909-3527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336

Mortgage

Document Number	0000004011
Date	Apr 3, 2023
Instrument	2023004011

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Nov 19, 2021
Property Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336
Document Number	2021014895
Map Reference	MB 5 PG 97
Instrument Date	Nov 18, 2021
Instrument	2021014895
Transaction Type	Transfer
Record Updated	Dec 9, 2021
Title Company	PATCH REEF TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 WELLINGTON WAY, 602, ELIZABETHTOWN, KY 42701-5214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336

Mortgage

Document Number	2021014896
Date	Nov 19, 2021
Instrument	2021014896

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	May 2, 2017
Property Address	5132 SE 44TH ST, OKEECHOBEE, FL 34974-2336
Document Number	0007891968
Book / Page	000789 / 001968
Instrument Date	Apr 28, 2017
Instrument	4500
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$581.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 SE 44TH ST OKEECHOBEE FL 349742336, OKEECHOBEE, FL 34974-2336

Mortgage

Document Number	7891969
Date	May 2, 2017
Book Page	000789/001969
Instrument	4501

Lender

Name	CENTERSTATE BK/FL
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Mortgage

Document Number	7891981,
Date	May 2, 2017
Book Page	000789/001981
Instrument	4502

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	OKEECHOBEE, FL 34972

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 5132 SE 44th St was $2,191 with a homeowner's exemption.

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	$2,191.00 Homeowner's exemption	$147,933 Land $26,000 Building $121,933	$147,933 Land $26,000 Building $121,933
2023	$2,588.00 (+15.85%)	$149,315 (+23.24%) Land $17,000 Building $132,315	$149,315 (+23.24%) Land $17,000 Building $132,315
2022	$2,234.00	$121,159 Land $13,000 Building $108,159	$121,159 Land $13,000 Building $108,159

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

Flood

FEMA maps place 5132 SE 44th St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5132 SE 44th St is moderate, ranking above 56% of the US, with a 0.1% 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	0.1% 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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