3712 N Hwy 98, Okeechobee FL 34972, OKEECHOBEE, FL, 34972
Active157 days on marketListed Mar 1, 2026MLS #F10555637
About this home
3712 N Hwy 98, Okeechobee FL 34972
Residential lot in Hwy 98 North commercial corridor in Okeechobee, FL. Ideally sized, this 0.189-acre residential lot in Okeechobee offers opportunity in a growing community. Whether you're planning a primary residence, seasonal retreat, or investment property, this parcel provides the perfect footprint for a well-designed single-family home with room for a driveway, outdoor living space, and landscaping. Manageable lot size and flexible residential potential, this property is an excellent option for buyers looking to build without excess maintenance.
Facts & features
The home at a glance
0.189 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.
$442 /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
$442/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 → $244K
Okeechobee median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the OKEECHOBEE 34972 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3712 N Hwy 98
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$300,000
3534 NW 32nd Avenue, Okeechobee FL 34972 · same community
3 bd · 2 ba · 1,256 sqft · $239/sqft · 285 DOM
Sold · May ’26$295,000
3218 NW 33rd Avenue, Okeechobee FL 34972 · same community
3 bd · 2 ba · 1,274 sqft · $232/sqft · 54 DOM
Sold · Jan ’26$284,000
3268 NW 29th Ave, Okeechobee FL 34972 · same community
3 bd · 2 ba · 1,333 sqft · $213/sqft · 275 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 3712 N Hwy 98 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3712 N Hwy 98 — 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
3712 N Hwy 98 FAQs
What would the monthly payment be for 3712 N Hwy 98, Okeechobee FL 34972?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $442/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 3712 N Hwy 98, Okeechobee FL 34972?+
The most recent tax bill on record (2025) was $340. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Okeechobee?+
At $40,000, this home is listed about 85% below the Okeechobee median of $274,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the OKEECHOBEE 34972 market on paper
$40,000 is 26% below the OKEECHOBEE 34972 median of $54,000.
02Time on market is leverage
157 days on market against a Okeechobee median of 61 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $50,000, now $40,000 — a $10K cut. The full history is in the market section below.
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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