909 SE 14th Ct, Okeechobee, FL 34974 Property Records

Okeechobee County property record for 909 SE 14th Ct, Okeechobee, FL 34974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,759 sqft · built 2006
Lot Size	0.335 acres (14,593 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Dec 2019)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-22-37-35-0350-00000-2120`

Property Details

APN / Parcel Number

Primary APN	`3-22-37-35-0350-00000-2120`
Alternative APN	`R32237350350000002120`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,759 sqft Living Area
Gross Area	3,091 sqft
1st Floor Area	1,759 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,593 sqft (0.335 acres)
Lot Dimensions	146 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	621 sqft
Porch	Finished/Open Porch
Patio Area	513 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 SE 14TH CT
City	OKEECHOBEE
State	FL
Zip	34974-5363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE HERON GOLF AND COUNTRY CLUB, PHASE 4A (PLAT BOOK 6 PAGES 68 & 69) LOT 212
Legal Range	35E
Legal Township	37S
Legal Section	22
Legal Subdivision	BLUE HERON GOLF AND COUNTRY CLUB
Legal Lot Number	212
Jurisdiction	OKEECHOBEE FL
Township / Civil Division	OKEECHOBEE
Census Block Group	1
Census Block	1031
Census Tract	910500

Owner

909 SE 14th Ct is owned and occupied by an individual who bought it in December 2019.

Source: Okeechobee County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363
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
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION
Oct 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU
Dec 31, 2019	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC
Apr 10, 2017	Warranty Deed, Transfer · Conventional Mortgage HARBOR COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Apr 10, 2017 · Amount on File
Deed Document Number	201913174
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Recording Date	Jun 5, 2026
Property Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363
Document Number	0000006321
Instrument Date	May 23, 2026
Instrument	20266321
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363

Mortgage

Document Number	0000006321,
Date	Jun 5, 2026
Instrument	20266321

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 10, 2046

Interest

Rate	6.23%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKEECHOBEE FL
Property Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363

Mortgage

Document Number	0000013063
Date	Oct 4, 2022
Instrument	2022013063

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	1-Year T-Bill
Max Rate	8.62%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Dec 31, 2019
Property Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363
Document Number	0000013174
Instrument Date	Dec 30, 2019
Instrument	13174
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 SE 14TH CT OKEECHOBEE FL 349745363, OKEECHOBEE, FL 34974-5363

Mortgage

Document Number	13175
Date	Dec 31, 2019
Instrument	13175

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKEECHOBEE FL
Recording Date	Apr 10, 2017
Property Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363
Document Number	0007881956
Book / Page	0788 / 1956
Map Reference	MB6 PG68
Instrument Date	Apr 7, 2017
Instrument	2017003560
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	OKEE TANTIE TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1755 COUNTY RD, 1755, CULLMAN, AL 35058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 SE 14TH CT, OKEECHOBEE, FL 34974-5363

Mortgage

Document Number	0007881959
Date	Apr 10, 2017
Book Page	0788/1959
Instrument	2017003561

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 909 SE 14th Ct was $3,408 with a homeowner's exemption.

Source: Okeechobee County assessment roll, as of November 19, 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	$3,408.00 Homeowner's exemption	$186,865	$299,131 Land $40,000 Building $259,131
2023	$3,234.00 (+2.73%) Homeowner's exemption	$176,310 (+3%)	$295,450 (+20.08%) Land $30,000 Building $265,450
2022	$3,148.00 Homeowner's exemption	$171,175	$246,052 Land $25,000 Building $221,052

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

Flood

FEMA maps place 909 SE 14th Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1992.

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 File median of 27 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	8 (1992–2012)
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims 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

Wildfire risk around 909 SE 14th Ct is moderate, ranking above 62% of the US, with a 0.2% 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 62% of Florida
Wildfire Likelihood	0.2% 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 143 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on SE 14th Ct

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