644 NW 23rd Ln, Okeechobee, FL 34972 Property Records

Okeechobee County property record for 644 NW 23rd Ln, Okeechobee, FL 34972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1990
Lot Size	0.344 acres (14,998 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Dec 2022)
Tax Bill	$2,752 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-09-37-35-0020-00040-0040`

Property Details

APN / Parcel Number

Primary APN	`1-09-37-35-0020-00040-0040`
Alternative APN	`R10937350020000400040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,296 sqft Living Area
1st Floor Area	1,224 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,998 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 NW 23RD LN
City	OKEECHOBEE
State	FL
Zip	34972-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONNERS HIGHLANDS (PLAT BOOK 1 PAGE 21) LOTS 4 & 5 BLOCK 4 TOGETHER WITH THE NORTH 1/2 OF THE VACATED ALLEY LYING ADJACENT TO SAID LOTS AS SHOWN IN RESOLUTION 77-21, RECORDED IN OFFICIAL RECORDS BOOK 200, PAGE 487, PUBLIC RECORDS OF OKEECHOBEE COUNTY
Legal Range	35E
Legal Township	37S
Legal Section	09
Legal Subdivision	CONNERS HIGHLANDS
Legal Block	4
Legal Lot Number	4,5
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	2
Census Block	2005
Census Tract	910201

Owner

Source: Okeechobee County records, as of November 19, 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
Mailing Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage CLEAR TITLE & LEGAL SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	Aug 14, 2018 · Amount on Record
Deed Document Number	202215702
Prior Transfer Date	Sep 18, 2013
Prior Transfer Doc	0007361826
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 7, 2022
Property Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315
Document Number	0000015702
Map Reference	MB 1 PG 21
Instrument Date	Dec 5, 2022
Instrument	2022015702
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	CLEAR TITLE & LEGAL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11375 NE 3RD CIR, OKEECHOBEE, FL 34972-8373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315

Mortgage

Document Number	0000015703
Date	Dec 7, 2022
Instrument	2022015703

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315
Transaction Type	Mortgage
Record Updated	Mar 10, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315

Mortgage

Document Number	0000002093
Date	Feb 15, 2022
Instrument	2022002093

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Aug 14, 2018
Property Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315
Document Number	0008120127
Book / Page	0812 / 0127
Map Reference	MB1 PG21
Instrument Date	Aug 10, 2018
Instrument	2018010330
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CLEAR TITLE & LEGAL SVC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12615 NE 124TH AVE, 12615, OKEECHOBEE, FL 34972-7473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 NW 23RD LN, OKEECHOBEE, FL 34972-4315

Mortgage

Document Number	0000000000
Date	Aug 14, 2018
Instrument	2018010331

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	$2,752.00 (+2.84%) Homeowner's exemption	$189,178 (+1.49%)	$194,575 (+4.38%) Land $30,000 Building $164,575
2023	$2,676.00 (+90.06%) Homeowner's exemption	$186,403 (+81.53%) Land $22,000 Building $164,403	$186,403 (+25.9%) Land $22,000 Building $164,403
2022	$1,408.00 Homeowner's exemption	$102,683	$148,060 Land $13,500 Building $134,560

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 X minimal risk
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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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