3049 SE 38TH AVENUE, OKEECHOBEE, FL, 34974
Active13 days on marketListed Jul 10, 2026MLS #OM728232
About this home
3049 SE 38TH AVENUE
Don't miss this opportunity to own a beautiful 3-bedroom, 2-bathroom waterfront home situated on a canal with direct water access to Lake Okeechobee. Whether you're an avid fisherman, boating enthusiast, or simply enjoy peaceful waterfront views, this property offers the ideal Florida lifestyle. Inside, you'll find a comfortable and functional floor plan with spacious living areas, a well-equipped kitchen, and generously sized bedrooms. Step outside onto the open back porch, where you can relax, entertain, or enjoy your morning coffee while overlooking the canal and watching boats pass by. The attached 2-car garage provides ample parking and additional storage for vehicles, fishing gear, or recreational equipment. With convenient access to one of Florida's premier freshwater lakes.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,494
Sqft
0.15 ac
Lot size
2
Garage
2006
Year built
One
Levels
$187
Per sqft
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.
$2,136 /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
$2,136/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.
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.
vs edgeAI estimate
−15%
Days on market
13 vs 11 typical
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 → $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 30% above the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
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?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,136/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 3049 SE 38TH AVENUE?+
The most recent tax bill on record (2025) was $2,452. 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 3049 SE 38TH AVENUE?+
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 $279,900, this home is priced right at the Okeechobee median.
Listing courtesy of TRANS GLOBAL REALTY, INC · Eric Nathanson. MLS #OM728232.
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.
Never miss a listing
New Okeechobee homes, in your inbox
Like 3049 SE 38TH AVENUE but not quite? A daily digest of every new listing in Okeechobee — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →