18398 NW 286TH STREET, OKEECHOBEE, FL, 34972
Active96 days on marketListed Apr 20, 2026MLS #C7525108
About this home
18398 NW 286TH STREET
High and Dry Lot For Sale! Cleared Freshwater Canal Lot For Sale! This 1.25-acre cleared lot in Okeechobee offers a great opportunity to build your dream home or invest in land with room to grow.The property features a culvert already in place and electricity nearby, helping simplify the building process. A survey is available, giving you a clear understanding of boundaries and layout. Adding to its appeal, a freshwater canal runs along the side of the property, offering a convenient spot to fish right from your own land and enjoy the peaceful waterfront setting. Families will appreciate access to local schools such as Everglades Elementary School, Yearling Middle School, and Okeechobee High School. Outdoor enthusiasts will find several nearby spots to enjoy nature and recreation, including dog-friendly areas and parks, as well as easy access to Lake Okeechobee, one of Florida’s premier fishing destinations known for bass fishing and scenic waterfront views. Additional fishing and boating opportunities are available along the Kissimmee River and surrounding conservation areas. Conveniently located within reach of nearby cities like Okeechobee, Port St. Lucie, and Fort Pierce, this property offers a balance of rural living with access to shopping, dining, and entertainment. Healthcare needs are served by nearby facilities such as HCA Florida Raulerson Hospital, with additional medical centers in the surrounding Treasure Coast region. Major roadways including U.S. Route 441 and Florida State Road 70 provide straightforward travel across the region, connecting you to larger metropolitan areas. For air travel, Treasure Coast International Airport and Palm Beach International Airport are both accessible within a reasonable drive. Whether you’re looking to build now or hold for the future, this property combines usable land, key improvements, canal-front fishing, and a location that keeps you connected while still offering privacy and space.
Facts & features
The home at a glance
1.25 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$635 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$635/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Okeechobee
Get to know Okeechobee. See the full Okeechobee guide →
OKEECHOBEE 34972 — neighborhood snapshot
Population
19,185
Median age
38.7
Median income
$53,902
Median home value
$193,300
Avg household
2.76
Households w/ children
2,367
The numbers that matter
The Okeechobee market
$225K → $338K
Okeechobee median sold, yr/yr
93.2%
Sale-to-list ratio (12 mo)
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the OKEECHOBEE 34972 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 18398 NW 286TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$324,400
18216 STATE ROAD 52 · same community
3 bd · 2 ba · 1,294 sqft · $251/sqft · 41 DOM
Sold · Jul ’26$375,000
18121 NW 272nd Street, Okeechobee FL 34972
3 bd · 2 ba · 140 sqft · $2,679/sqft · 10 DOM
Sold · Apr ’26$365,000
16469 NW 272ND STREET
3 bd · 2 ba · 1,248 sqft · $292/sqft · 73 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18398 NW 286TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18398 NW 286TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
18398 NW 286TH STREET FAQs
What would the monthly payment be for 18398 NW 286TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $635/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 18398 NW 286TH STREET?+
The most recent tax bill on record (2025) was $390. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 18398 NW 286TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Okeechobee?+
At $69,900, this home is listed about 75% below the Okeechobee median of $279,950. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$69,900 runs 27% above the OKEECHOBEE 34972 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
96 days on market against a Okeechobee median of 11 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Thomas Sons. MLS #C7525108.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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