532 SW 86th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 532 SW 86th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,973 sqft · built 2006
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jun 2024)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0080-00000-0370`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0080-00000-0370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,973 sqft Heated Area
Gross Area	2,919 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Porch	Open Porch
Patio Area	249 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	532 SW 86TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ACRES (PLAT BOOK 7 PAGES 59 & 60) LOT 37
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	EDGEWATER ACRES
Legal Lot Number	37
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NATIONAL ASSOCIATION
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Mar 2, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 2, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2024 · Amount on Record
Deed Sale	Jun 14, 2024 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	0000006608
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575

Mortgage

Document Number	0000003809
Date	Apr 8, 2024
Instrument	2024003809

Lender

Name	SOUTHSTATE BANK NATIONAL ASSOCIATION
Address	2100 S PARROTT AVE, OKEECHOBEE, FL 34974

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 20, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jul 1, 2022
Property Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575
Document Number	0000009091
Map Reference	MB 7 PG 59
Instrument Date	Jun 30, 2022
Instrument	2022009091
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE TANTIE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4055 MCKETHAN RD, 4055, DADE CITY, FL 33523-9118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575

Mortgage

Document Number	0000009092
Date	Jul 1, 2022
Instrument	2022009092

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 2, 2021
Property Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575
Document Number	2021002327
Map Reference	MB 7 PG 59
Instrument Date	Feb 25, 2021
Instrument	2021002327
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 SW 8TH ST, OKEECHOBEE, FL 34974-5049

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 2, 2021
Property Address	532 SW 86TH AVE, OKEECHOBEE, FL 34974-1575
Document Number	0000002327
Map Reference	MB 7 PG 59
Instrument Date	Feb 25, 2021
Instrument	2021002327
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 SW 8TH ST, OKEECHOBEE, FL 34974-5049

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	$2,116.00 (-44.91%) Homeowner's exemption	$194,959 (-27.83%)	$326,838 (+4.95%) Land $38,000 Building $288,838
2023	$3,841.00 (+70.71%) Homeowner's exemption	$270,129 (+65.38%)	$311,423 (+14.45%) Land $32,000 Building $279,423
2022	$2,250.00 Homeowner's exemption Widower's exemption	$163,343	$272,102 Land $23,000 Building $249,102

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 92 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2024 · Hurricane Debby

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	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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