636 SW 85th Ave, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 636 SW 85th Ave, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,514 sqft · built 1984
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on File
Last Sale	$194,000 (Apr 2019)
Tax Bill	$1,736 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`1-22-37-34-0050-00000-0080`

Property Details

APN / Parcel Number

Primary APN	`1-22-37-34-0050-00000-0080`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,514 sqft Heated Area
Gross Area	1,886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	636 SW 85TH AVE
City	OKEECHOBEE
State	FL
Zip	34974-1588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH LAKE COUNTRY ESTATES UNIT NO. II (PLAT BOOK 5 PAGE 86) LOT 8
Legal Range	34E
Legal Township	37S
Legal Section	22
Legal Subdivision	NORTH LAKE COUNTRY ESTATES
Legal Lot Number	8
Legal Unit	2
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2003
Census Tract	910602

Owner

636 SW 85th Ave is owned and occupied by two individuals who bought it in April 2019.

Source: Okeechobee County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Mailing Address	636 SW 85TH AVE, OKEECHOBEE, FL 34974-1588
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 15, 2019	Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2019 · Amount on File
Deed Sale	Apr 15, 2019 · Amount on File
Prior Sale	Jul 14, 2009 · Amount on File
Deed Document Number	0000823231
Deed Book / Page	823 / 231
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	636 SW 85TH AVE, OKEECHOBEE, FL 34974-1588
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 SW 85TH AVE, OKEECHOBEE, FL 34974-1588

Mortgage

Document Number	2021004998
Date	Apr 21, 2021
Instrument	2021004998

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 15, 2019
Property Address	636 SW 85TH AVE, OKEECHOBEE, FL 34974-1588
Document Number	0008230231
Book / Page	000823 / 000231
Instrument Date	Apr 15, 2019
Instrument	3965
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	OKEE-TANTIE TITLE COMPANY INC, OKEE-TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	636 SW 85TH AVE OKEECHOBEE FL 349741588, OKEECHOBEE, FL 34974-1588

Mortgage

Document Number	8230234
Date	Apr 15, 2019
Book Page	000823/000234
Instrument	3966

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 636 SW 85th Ave was $1,736 with a homeowner's exemption.

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	$1,736.00 Homeowner's exemption	$167,234	$234,498 Land $37,000 Building $197,498
2023	$2,277.00 (+7.66%) Homeowner's exemption	$157,787 (+3%)	$224,353 (+19.95%) Land $32,000 Building $192,353
2022	$2,115.00 Homeowner's exemption	$153,191	$187,032 Land $23,000 Building $164,032

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

Flood

FEMA maps place 636 SW 85th Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 636 SW 85th Ave is moderate, ranking above 62% 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	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.3% 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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