4334 Us Highway 441 Highway SE # 23, Okeechobee FL 34974, OKEECHOBEE, FL, 34974
Active305 days on marketListed Oct 13, 2025MLS #R11132175
About this home
4334 Us Highway 441 Highway SE # 23, Okeechobee FL 34974
COTTAGES at the LAKE~ KEY WEST style bungalow with Lake ''O'' access from coast to coast. Beautifully remodeled, furnished and turnkey. Open concept, vaulted ceilings and fans. Staircase to upper Bd and Bath. Lower BR and Bath has stain glass doors, large closets, tiled showers and designer qualities! Kitchen is perfection~Knotty alderwood custom cabinets, soft close, pull outs shelves, SS appliances and two pantry's. Front and back screened porches. Covered parking, assigned dock, walking path and lovely neighbors! Your home away from home, no VRBO. See Condo docs, exterior insurance in Condo fee. Tankless HWH, Foam spray insulation under home. Superb! LIVE the FLORIDA DREAM! Dimensions are approximate, must measure for exact
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
860
Sqft
0.03 ac
Lot size
2007
Year built
2
Levels
$290
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 and the real association fee — not generic estimates.
$2,458 /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
$2,458/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.
$/sqft vs Okeechobee actives
$290 vs $202
Days on market
305 vs 61 typical
Where $290/sqft sits among the 283 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 → $244K
Okeechobee median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
21 of 283
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 4334 Us Highway 441 Highway SE # 23
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$200,000
2305 SE 31st Street, Okeechobee FL 34974
2 bd · 2 ba · 912 sqft · $219/sqft · 137 DOM
Sold · Jan ’26$199,000
4034 SE 29TH COURT
2 bd · 2 ba · 960 sqft · $207/sqft · 294 DOM
Sold · Feb ’26$55,000
4437 SE 23RD COURT
2 bd · 1.5 ba · 728 sqft · $76/sqft · 12 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 4334 Us Highway 441 Highway SE # 23 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4334 Us Highway 441 Highway SE # 23 — 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
4334 Us Highway 441 Highway SE # 23 FAQs
What would the monthly payment be for 4334 Us Highway 441 Highway SE # 23, Okeechobee FL 34974?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,458/mo — principal and interest, the actual property-tax bill, the $479/mo association fee 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.
How much are the HOA fees at 4334 Us Highway 441 Highway SE # 23, Okeechobee FL 34974?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4334 Us Highway 441 Highway SE # 23, Okeechobee FL 34974?+
The most recent tax bill on record (2024) was $2,917. 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 4334 Us Highway 441 Highway SE # 23, 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 $249,000, this home is listed about 9% below the Okeechobee median of $275,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$249,000 runs 19% above the OKEECHOBEE 34974 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
305 days on market against a Okeechobee median of 61 — 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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