3049 SE 38th Avenue, Okeechobee FL 34974, OKEECHOBEE, FL, 34974
Active228 days on marketListed Dec 19, 2025MLS #F10541349
About this home
3049 SE 38th Avenue, Okeechobee FL 34974
3/2 SPACIOUS HOME IN OKEECHOBEE, FL. CANAL FRONT AND LAKE ACCESS. TENANT PAYS ALL UTILITIES AND MAINTAIN LAWN. MONTHLY INCOME MUST EQUAL 2XS THE RENT RATE, CREDIT & BACKGROUND REQUIRED. SMALL PET WELCOME WITH NON-REFUNDABLE ONE TIME PET FEE.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,494
Sqft
0.15 ac
Lot size
2006
Year built
1
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$175 /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
$175/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Okeechobee actives
$1 vs $203
Days on market
228 vs 62 typical
Where $1/sqft sits among the 279 Okeechobee actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Okeechobee
Get to know Okeechobee. See the full Okeechobee guide →
OKEECHOBEE 34974 — neighborhood snapshot
Population
23,994
Median age
48.1
Median income
$50,671
Median home value
$162,900
Avg household
2.26
Households w/ children
2,418
The numbers that matter
The Okeechobee market
$225K → $375K
Okeechobee median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
18 of 279
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3049 SE 38th Avenue
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$262,500
3015 SE 36th Ave, FL 34974 · same community
3 bd · 2 ba · 1,600 sqft · $164/sqft · 197 DOM
Sold · Jan ’26$282,000
3112 SE 34TH AVENUE · same community
3 bd · 2 ba · 1,733 sqft · $163/sqft · 241 DOM
Sold · May ’26$140,895
2361 SE 27th Street, Okeechobee FL 34974
2 bd · 2 ba · 1,512 sqft · $93/sqft · 151 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 3049 SE 38th Avenue — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3049 SE 38th Avenue — 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
3049 SE 38th Avenue FAQs
What would the monthly payment be for 3049 SE 38th Avenue, Okeechobee FL 34974?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $175/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3049 SE 38th Avenue, Okeechobee FL 34974?+
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 $2,100, this home is listed about 99% below the Okeechobee median of $274,950. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the OKEECHOBEE 34974 market on paper
$2,100 is 99% below the OKEECHOBEE 34974 median of $210,000, and at $1/sqft it sits under the Okeechobee average of $283.
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
228 days on market against a Okeechobee median of 62 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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