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4334 Us Highway 441 Highway SE #23, Okeechobee, FL, 34974

1beds
2baths
860sqft
$249,000
$290price/sqft
$1,872/moest. monthly cost
$74,880/yrincome needed

About This Home

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

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
2/10
Osceola Middle SchoolGrades 6-83.4 mi
3/10
Okeechobee High SchoolGrades 9-124.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2007

Materials

  • Roof: Metal
  • Construction materials: Fiber Cement,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Electric Water Heater,Disposal,Microwave,Refrigerator,Water Heater,Washer
  • Laundry features: Inside,Laundry Closet

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Cathedral Ceiling(s),Eat-in Kitchen,High Ceilings,Kitchen Island,Living/Dining Room,Main Level Primary,Pantry,Separate Shower,Vaulted Ceiling(s)
  • Window features: Arched,Blinds
  • Flooring: Carpet,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,361
  • Total interior livable area: 860 sqft

Property

Details

  • Parcel number: 1363735006a000000230
  • Zoning: res

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Entry Level Living Area Y
  • Patio & porch: Porch,Screened
  • Exterior features: Outdoor Living Area,Porch
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Front

Lot

  • Lot size: 1,394 sqft
  • Features: < 1/4 Acre

Parking

  • Parking features: Detached Carport
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Hurricane
Strong Wind
Wildfire

FEMA Declared Disasters in Okeechobee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,259$15,108
Home Insurance *$265$3,180
Property Taxes $151$1,812
Electricity $197$2,366
Total$1,872$22,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,182/yr
40% on housing$56,160/yr
45% on housing$49,920/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.8%
13.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 34974$163
Okeechobee County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 34974
Okeechobee County$218

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-10-14Listed for sale$249,000
2023-10-23Sold$220,000
2023-10-06Pending sale$224,900
2023-07-11Price change$224,900
2023-04-18Listed for sale$239,000
2021-11-12Sold$215,000
2021-10-26Pending sale$195,000
2021-09-09Listed for sale$195,000
2021-06-17Listing removed--
2020-12-22Listed for sale$195,000

For Sale by Agent

AgentLori Mixon
BrokerageMixon Real Estate Group

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