12963 Us Hwy 441 SE, Okeechobee FL 34974, OKEECHOBEE, FL, 34974
Active197 days on marketListed Jan 25, 2026MLS #R11158251
About this home
12963 Us Hwy 441 SE, Okeechobee FL 34974
Private Oasis on 20 acres in Okeechobee with residential agricultural zoning and prime investment potential. Custom CBS 4BR/2BA home featuring open concept living, split floor plan, spacious rooms, high ceilings, and ceiling fans throughout. Majestic master suite with French doors. Kitchen offers custom cabinets, stainless steel appliances, and a huge pantry. Original fireplace adds charm. Metal roof, safe room, hurricane panels, and 2-car garage. Enjoy open patio, screened rear porch, and beautiful water views with total privacy. Fully fenced and cross-fenced. Two additional structures include a log structure and a mobile home. Dream brought to life!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,227
Sqft
21.51 ac
Lot size
2
Garage
2001
Year built
1
Levels
$1,212
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.
$16,420 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,420/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$1,212 vs $201
Days on market
197 vs 61 typical
Where $1,212/sqft sits among the 280 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 280
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1186% above the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 12963 Us Hwy 441 SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$247,000
11793 Us Highway 441, Okeechobee FL 34974
3 bd · 2 ba · 1,296 sqft · $191/sqft · 101 DOM
Sold · Mar ’26$125,000
13891 SE 126TH TERRACE
3 bd · 1.5 ba · 830 sqft · $151/sqft · 231 DOM
Sold · Mar ’26$240,000
11625 US Highway 441 SE, Okeechobee FL 34974
3 bd · 2 ba · 185 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 12963 Us Hwy 441 SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12963 Us Hwy 441 SE — 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
12963 Us Hwy 441 SE FAQs
What would the monthly payment be for 12963 Us Hwy 441 SE, Okeechobee FL 34974?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,420/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 12963 Us Hwy 441 SE, Okeechobee FL 34974?+
The most recent tax bill on record (2025) was $8,140. 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 12963 Us Hwy 441 SE, 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 $2,700,000, this home is listed about 882% above the Okeechobee median of $274,950. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$2,700,000 runs 1186% above the OKEECHOBEE 34974 median — but at 2,227 sqft it's also 59% larger than the typical Okeechobee listing.
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
197 days on market against a Okeechobee median of 61 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $27,000,000, now $2,700,000 — a $24M 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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