Steeve Cadeau
$169,900$185,0003 bd2 ba720 sqft$236 /sqft$1,370 /mo all-in ↓

3603 SE 35TH AVENUE, OKEECHOBEE, FL, 34974

Active233 days on marketListed Dec 2, 2025MLS #A4670805

Priced 21% below the OKEECHOBEE 34974 medianReduced $15KWaterfrontMobile HomeTREASURE ISLAND

About this home

3603 SE 35TH AVENUE

Lake Okeechobee canal-front property in Treasure Island—surveyed lot with space for boats, trailers, or toys. Renovated 3BD/2BA mobile home with addition. Updates include kitchen, flooring, windows, split A/C units, privacy fencing with reinforced gates, exterior lighting, large shed, extended concrete driveway, and multiple water spigots. Shaded outdoor area with concrete pad under Grandfather oak—ideal for gatherings. Avocado tree and mature landscaping. City water, septic, no flood zone, no HOA. Quiet street with easy access to coastal cities. Easy to show!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

720

Sqft

0.19 ac

Lot size

1972

Year built

One

Levels

$236

Per sqft

WaterfrontWater view

Inside

FlooringLaminate · Other · Vinyl
AppliancesDryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · L Dining
LaundryInside
CoolingMini-Split Unit(s)
HeatingCentral

Outside & construction

RoofMembrane
ConstructionVinyl Siding
ViewWater
FacesSouth
ParkingDriveway
ExteriorLighting · Sidewalk · Storage

Community & fees

Taxes (2024)$1,617/yr

Utilities & systems

UtilitiesElectricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,370 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,000
FHA mortgage insurance (est.)$75
Property tax — 2024 actual bill$135
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,947Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,947
Interest rate6.00%
Loan term

Estimated payment

$1,370/mo

Principal & interest$1,000
FHA mortgage insurance (est.)$75
Property taxes (actual bill)$135
Est. insurance$160

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 TREASURE ISLAND

$236 vs $1,614

Days on market

233 vs 11 typical

Where $236/sqft sits among the 10 homes for sale in TREASURE ISLAND

4 · this home
1
1
2
0
2
$88–626$626–1164$1164–1702$1702–2240$2240–2778$2778+

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

Map of 3603 SE 35TH AVENUE

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

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$225K$338K

Okeechobee median sold, yr/yr

93.2%

Sale-to-list ratio (12 mo)

1 of 10

TREASURE ISLAND have cut their price

Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 21% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →

Paper trail

This home's history

CurrentPrice reduced to $169,900 $15K
Dec 2, 2025Listed at $185,000 · 233 days on market since
1972Built · TREASURE ISLAND

Reality check

What actually sold near 3603 SE 35TH AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4032 SE 28th Street, FL 34974Sold · Oct ’25

$58,000

4032 SE 28th Street, FL 34974 · same community

3 bd · 2 ba · 924 sqft · $63/sqft · 48 DOM

4224 SE 29th Court, Okeechobee FL 34974Sold · Mar ’26

$100,000

4224 SE 29th Court, Okeechobee FL 34974 · same community

3 bd · 2 ba · 924 sqft · $108/sqft · 353 DOM

4018 SE 27TH STREETSold · Mar ’26

$135,000

4018 SE 27TH STREET · same community

3 bd · 2 ba · 1,030 sqft · $131/sqft · 1 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3603 SE 35TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3603 SE 35TH AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

3603 SE 35TH AVENUE FAQs

What would the monthly payment be for 3603 SE 35TH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,370/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 3603 SE 35TH AVENUE?+

The most recent tax bill on record (2024) was $1,617. 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 $169,900, this home is listed about 39% below the Okeechobee median of $279,950. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Under the OKEECHOBEE 34974 market on paper

$169,900 is 21% below the OKEECHOBEE 34974 median of $215,000.

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

233 days on market against a Okeechobee median of 11 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $185,000, now $169,900 — a $15K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Tamara Martin, PA. MLS #A4670805.

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.

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