523 NE 138th St, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 523 NE 138th St, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,912 sqft · built 2000
Lot Size	0.918 acres (39,988 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Feb 2022)
Tax Bill	$5,921 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-03-36-35-0010-00060-0310`

Property Details

APN / Parcel Number

Primary APN	`1-03-36-35-0010-00060-0310`
Alternative APN	`R10336350010000600310`

Interior

Full Baths	3 Baths
Building Area	2,912 sqft Living Area
Gross Area	4,640 sqft
1st Floor Area	1,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	39,988 sqft (0.918 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	523 NE 138TH ST
City	OKEECHOBEE
State	FL
Zip	34972-8332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHWOOD SECTION ONE (PLAT BOOK 3 PAGE 48) LOTS 31 & 32 BLOCK 6
Legal Range	35E
Legal Township	36S
Legal Section	03
Legal Subdivision	NORTHWOOD SECTION ONE
Legal Block	6
Legal Lot Number	31,32
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	NORTH OKEECHOBEE
Census Block Group	3
Census Block	3006
Census Tract	910101

Owner

523 NE 138th St is owned by two individuals who bought it in February 2022.

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	2 Individual Names on File
Mailing Address	PO BOX 1209, OKEECHOBEE, FL 34973-1209
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2022 · Amount on File
Deed Sale	Feb 8, 2022 · Amount on File
Prior Sale	Sep 10, 2002 · Amount on File
Deed Document Number	20221740
Prior Transfer Date	Dec 14, 1995
Prior Transfer Doc	0373000120
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Feb 8, 2022
Property Address	523 NE 138TH ST, OKEECHOBEE, FL 34972-8332
Document Number	0000001740
Map Reference	MB 3 PG 48
Instrument Date	Feb 8, 2022
Instrument	2022001740
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 NE 138TH ST, 523, OKEECHOBEE, FL 34972-8332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1209, OKEECHOBEE, FL 34973-1209

Mortgage

Document Number	0000001741
Date	Feb 8, 2022
Instrument	2022001741

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 523 NE 138th St was $5,921.

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	$5,921.00	$379,646 Land $51,750 Building $327,896	$379,646 Land $51,750 Building $327,896
2023	$5,930.00 (+144.74%)	$379,929 (+116.88%) Land $45,000 Building $334,929	$379,929 (+19.65%) Land $45,000 Building $334,929
2022	$2,423.00 Homeowner's exemption	$175,177	$317,540 Land $28,500 Building $289,040

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

FEMA maps place 523 NE 138th St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2004.

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 File median of 34 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	12 (2004–2008)
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 3 claims Hurricane Frances, Sep 2004 · 8 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 523 NE 138th St is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20