604 NW 15th St, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 604 NW 15th St, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1986
Lot Size	0.23 acres (10,062 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jan 2018)
Tax Bill	$1,217 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-37-35-0020-00760-0080`

Property Details

APN / Parcel Number

Primary APN	`3-09-37-35-0020-00760-0080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Heated Area
Gross Area	1,384 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.23 acres)
Lot Dimensions	142 ft deep x 71 ft wide
Garage Type	Carport
Carport	Carport
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	604 NW 15TH ST
City	OKEECHOBEE
State	FL
Zip	34972-4357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONNERS HIGHLANDS (PLAT BOOK 1 PAGE 21) LOT 8 & EAST 1/2 OF LOT 9 BLOCK 76
Legal Range	35E
Legal Township	37S
Legal Section	09
Legal Subdivision	CONNERS HIGHLANDS
Legal Block	76
Legal Lot Number	8,EAST
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2015
Census Tract	910201

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	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC
Apr 22, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Feb 17, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 17, 2019	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Jan 8, 2018	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 25, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Prior Sale	Jan 31, 2013 · Amount on Record
Deed Document Number	2018000174
Deed Book / Page	0800 / 1162
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357

Mortgage

Document Number	0000011748
Date	Oct 15, 2025
Instrument	2025011748

Lender

Name	OUTAMATION INC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2065

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357

Mortgage

Document Number	0000004385
Date	Apr 22, 2024
Instrument	2024004385

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357

Mortgage

Document Number	0000002227
Date	Feb 17, 2022
Instrument	2022002227

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKEECHOBEE FL
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Document Number	0008300534
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 NW 15TH ST OKEECHOBEE FL 349724357, OKEECHOBEE, FL 34972-4357

Mortgage

Document Number	0008300534
Date	Sep 5, 2019
Book Page	000830/000534
Instrument	9269

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 8, 2018
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Document Number	0008001162
Book / Page	0800 / 1162
Map Reference	MB1 PG21
Instrument Date	Jan 2, 2018
Instrument	2018000174
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	CLEAR TITLE & LEGAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3633 NW 17TH AVE, 3633, OKEECHOBEE, FL 34972-1609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357

Mortgage

Document Number	2018000175
Date	Jan 8, 2018
Instrument	2018000175

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Sep 25, 2017
Property Address	604 NW 15TH ST, OKEECHOBEE, FL 34972-4357
Document Number	0007960660
Book / Page	000796 / 000660
Instrument Date	Aug 14, 2017
Instrument	9131
Transaction Type	Transfer
Record Updated	Nov 2, 2017

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 NW 15TH ST OKEECHOBEE FL 349724357, OKEECHOBEE, FL 34972-4357

Tax Assessment & Valuation

Source: Okeechobee County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okeechobee County
Municipality	Okeechobee City
Unified School District	Okeechobee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,217.00 (-27.52%) Homeowner's exemption	$105,551 (+5.99%)	$169,874 (+1.9%) Land $21,375 Building $148,499
2023	$1,679.00 (+13.29%) Homeowner's exemption	$99,588 (+8.86%)	$166,707 (+26.4%) Land $15,675 Building $151,032
2022	$1,482.00 Homeowner's exemption	$91,484	$131,885 Land $9,619 Building $122,266

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2004–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 4 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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