2809 SE 38TH AVENUE, OKEECHOBEE, FL, 34974
Active56 days on marketListed May 29, 2026MLS #A4695241
About this home
2809 SE 38TH AVENUE
Escape to the peaceful waterfront lifestyle of Okeechobee! This approximately 0.19-acre lot offers coveted creek access ideal for fishing, kayaking, or simply soaking in the sights and sounds of Old Florida nature right outside your door. The existing structure is sold as-is and ready for removal, leaving a clean slate to place a brand-new manufactured home and design the property exactly to your taste. Tucked just minutes from downtown Okeechobee, shopping, and dining, and close to the world-famous bass fishing of Lake Okeechobee the "Big O." No HOA means total freedom to make it your own. Affordable land with water access is increasingly rare here, making this a standout opportunity for a private retreat or a smart addition to an investment portfolio. Bring your vision and turn this creekside parcel into something special.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
600
Sqft
0.19 ac
Lot size
1968
Year built
One
Levels
$97
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.
$593 /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
$593/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
$97 vs $203
Days on market
56 vs 11 typical
Where $97/sqft sits among the 278 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 → $338K
Okeechobee median sold, yr/yr
93.2%
Sale-to-list ratio (12 mo)
17 of 278
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 2809 SE 38TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$262,500
3015 SE 36th Ave, FL 34974 · same community
3 bd · 2 ba · 1,600 sqft · $164/sqft · 197 DOM
Sold · Jan ’26$282,000
3112 SE 34TH AVENUE · same community
3 bd · 2 ba · 1,733 sqft · $163/sqft · 241 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2809 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 2809 SE 38TH 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.
Straight answers
2809 SE 38TH AVENUE FAQs
What would the monthly payment be for 2809 SE 38TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $593/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 2809 SE 38TH AVENUE?+
The most recent tax bill on record (2025) was $791. 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 $58,000, this home is listed about 79% below the Okeechobee median of $279,950. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the OKEECHOBEE 34974 market on paper
$58,000 is 73% below the OKEECHOBEE 34974 median of $215,000, and at $97/sqft it sits under the Okeechobee average of $235.
02Time on market is leverage
56 days on market against a Okeechobee median of 11 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $78,000, now $58,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JOSEPH WALTER REALTY LLC · Scott Fader. MLS #A4695241.
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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