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

Okeechobee County property record for 549 SW 86th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,284 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jan 2022)
Tax Bill	$6,551 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0080-00000-0010`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0080-00000-0010`
Alternative APN	`R12237340080000000010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,284 sqft Living Area
Gross Area	3,276 sqft
1st Floor Area	2,590 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	491 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	549 SW 86TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER ACRES (PLAT BOOK 7 PAGES 59 & 60) LOT 1 & 2
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	EDGEWATER ACRES
Legal Lot Number	1,2
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2007
Census Tract	910602

Owner

Source: Okeechobee County records, as of March 27, 2026

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
Mailing Address	19220 GRADY RD, OKEECHOBEE, FL 34974-2874
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Warranty Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC
Jun 1, 2020	Quit Claim Deed, Transfer OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC
Apr 29, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 30, 2017	Warranty Deed, Transfer LAKE OKEECHOBEE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Jun 1, 2020 · Amount on Record
Deed Document Number	20221189
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 27, 2022
Property Address	549 SW 86TH AVE, OKEECHOBEE, FL 34974-1537
Document Number	0000001189
Map Reference	MB 7 PG 59&60
Instrument Date	Jan 18, 2022
Instrument	2022001189
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1486, OKEECHOBEE, FL 34973-1486

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19220 GRADY RD, OKEECHOBEE, FL 34974-2874

Mortgage

Document Number	0000001190
Date	Jan 27, 2022
Instrument	2022001190

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 1, 2020
Property Address	549 SW 86TH AVE, OKEECHOBEE, FL 34974-1537
Document Number	0000004952
Instrument Date	May 28, 2020
Instrument	4952
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	549 SW 86TH AVE OKEECHOBEE FL 349741537, OKEECHOBEE, FL 34974-1537

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 29, 2020
Property Address	549 SW 86TH AVE, OKEECHOBEE, FL 34974-1537
Document Number	0000004004
Instrument Date	Apr 24, 2020
Instrument	4004
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,233.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 1486 OKEECHOBEE FL 349731486, OKEECHOBEE, FL 34973-1486

Mortgage

Document Number	4005
Date	Apr 29, 2020
Instrument	4005

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Mar 30, 2017
Property Address	549 SW 86TH AVE, OKEECHOBEE, FL 34974-1537
Document Number	0007880539
Book / Page	000788 / 000539
Instrument Date	Mar 29, 2017
Instrument	3024
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	LAKE OKEECHOBEE TITLE

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	203 SW 4TH ST OKEECHOBEE FL 349744334, OKEECHOBEE, FL 34974-4334

Tax Assessment & Valuation

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	$6,551.00 (+1.8%)	$425,578 (+2.25%) Land $57,000 Building $368,578	$425,578 (+2.25%) Land $57,000 Building $368,578
2023	$6,435.00 (+80.1%)	$416,210 (+61.73%) Land $48,000 Building $368,210	$416,210 (+13.16%) Land $48,000 Building $368,210
2022	$3,573.00 Homeowner's exemption	$257,356	$367,813 Land $34,500 Building $333,313

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 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 66% of the US · above 43% 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 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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