685 SE 25th Dr, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 685 SE 25th Dr, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 2017
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jan 2017)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1-27-37-35-0050-00000-0820`

Property Details

APN / Parcel Number

Primary APN	`1-27-37-35-0050-00000-0820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,723 sqft Heated Area
Gross Area	2,490 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Open Porch
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	685 SE 25TH DR
City	OKEECHOBEE
State	FL
Zip	34974-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALMCREEK ESTATES UNIT NO. 4 (PLAT BOOK 7 PAGES 97 & 98) LOT 82
Legal Range	35E
Legal Township	37S
Legal Section	27
Legal Subdivision	PALMCREEK ESTATES
Legal Lot Number	82
Legal Unit	4
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	3
Census Block	3024
Census Tract	910500

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
Mailing Address	685 SE 25TH DR, OKEECHOBEE, FL 34974-3205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jan 3, 2017	Warranty Deed, Transfer · Conventional Mortgage HARBOR COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2017 · Amount on Record
Deed Sale	Jan 3, 2017 · Amount on Record
Deed Document Number	2017000030
Deed Book / Page	0784 / 0814
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	685 SE 25TH DR, OKEECHOBEE, FL 34974-3205
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 SE 25TH DR, OKEECHOBEE, FL 34974-3205

Mortgage

Document Number	2021012855
Date	Oct 8, 2021
Instrument	2021012855

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Jan 3, 2017
Property Address	685 SE 25TH DR, OKEECHOBEE, FL 34974-3205
Document Number	0007840814
Book / Page	0784 / 0814
Map Reference	MB7 PG97
Instrument Date	Dec 14, 2016
Instrument	2017000030
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	$1,211.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	760 RAINWATER DR, 760, LEXINGTON, KY 40515-6024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9656 SW 36TH CT, OKEECHOBEE, FL 34974-7715

Mortgage

Document Number	0007840816
Date	Jan 3, 2017
Book Page	0784/0816
Instrument	2017000031

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank
Address	FORT PIERCE, FL 34982

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Margin	3
Max Rate	10%

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	$2,036.00 (-20.56%) Homeowner's exemption Widower's exemption	$194,128 (+5.99%)	$244,572 (-11.5%) Land $13,000 Building $231,572
2023	$2,563.00 (+4.4%) Homeowner's exemption Widower's exemption	$183,162 (+3%)	$276,367 (+24.45%) Land $7,500 Building $268,867
2022	$2,455.00 Homeowner's exemption Widower's exemption	$177,827	$222,078 Land $7,500 Building $214,578

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	16.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 73 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	10 (2004–2022)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 5 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 56% of the US · lower than 71% 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.

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 72 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: Verizon.

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