Okeechobee County property record for 685 SE 25th St, Okeechobee, FL 34974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,710 sqft · built 2004 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Sep 2025) |
| Tax Bill | $2,986 (2025) |
| Deeds & Mortgages | Sep 2025 Sale Apr 2023 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1-27-37-35-0040-00000-0340 |
| Primary APN | 1-27-37-35-0040-00000-0340 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,710 sqft Living Area |
| Gross Area | 2,808 sqft |
| 1st Floor Area | 1,710 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Open Porch |
|---|---|
| Patio Area | 45 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 685 SE 25TH ST |
|---|---|
| City | OKEECHOBEE |
| State | FL |
| Zip | 34974-3211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALMCREEK ESTATES UNIT NO. 3 (PLAT BOOK 6 PAGES 90 & 91) LOT 34 |
| Legal Range | 35E |
| Legal Township | 37S |
| Legal Section | 27 |
| Legal Subdivision | PALMCREEK ESTATES UNIT NO 3 |
| Legal Lot Number | 34 |
| Legal Unit | 3 |
| Jurisdiction | OKEECHOBEE FL |
| Township / Civil Division | OKEECHOBEE |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 910500 |
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 | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 25, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 30, 2020 | Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on Record |
| Deed Sale | Sep 12, 2025 · Amount on Record |
| Prior Sale | Nov 22, 2022 · Amount on Record |
| Deed Document Number | 202510173 |
| Prior Transfer Date | Jan 30, 2008 |
| Prior Transfer Doc | 0006480779 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Sep 12, 2025 |
| Property Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Number | 0000010173 |
| Map Reference | MB 6 PG 90 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025010173 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Property Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Number | 0000004963 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 2023004963 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Nov 22, 2022 |
| Property Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Number | 0000015256 |
| Map Reference | MB 6 PG 90 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2022015256 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,953.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST, 685, OKEECHOBEE, FL 34974-3211 |
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Number | 0000015257 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 2022015257 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKEECHOBEE FL |
| Recording Date | Mar 30, 2020 |
| Property Address | 685 SE 25TH ST, OKEECHOBEE, FL 34974-3211 |
| Document Number | 0000003257 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 3257 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2020 |
| Title Company | CLEAR TITLE, CLEAR TITLE & LEGAL SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 SE 25TH ST OKEECHOBEE FL 349743211, OKEECHOBEE, FL 34974-3211 |
| Document Number | 3258 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 3258 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2050 |
Source: Okeechobee County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okeechobee County |
| Unified School District | Okeechobee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,986.00 (+35.67%) | $211,055 (+2.9%) | $250,863 (-4.62%) Land $30,000 Building $220,863 |
| 2024 | $2,201.00 (-21%) Homeowner's exemption Disabled Person's exemption | $205,107 (+3%) | $263,008 (-2.73%) Land $24,000 Building $239,008 |
| 2023 | $2,786.00 (-22.14%) Homeowner's exemption Disabled Person's exemption | $199,133 (-11.47%) | $270,384 (+20.21%) Land $21,000 Building $249,384 |
| 2022 | $3,578.00 | $224,927 Land $21,000 Building $203,927 | $224,927 Land $21,000 Building $203,927 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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