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3312 SE 18th Ter, Okeechobee, FL, 34974

3beds
3baths
0sqft
$359,000
--price/sqft
$3,117/moest. monthly cost
$124,680/yrincome needed

About This Home

Beautifully maintained, furnished 3-bedroom, 2.5-bath waterfront double-wide manufactured home featuring a concrete overlay foundation and exceptional craftsmanship throughout. Pride of ownership is evident from the moment you arrive-this home has been kept absolutely immaculate. Rich custom woodwork accents the surrounding wood decks, creating a warm and inviting exterior. A long concrete driveway leads to a detached one-car garage and covered carport, providing ample parking and storage. Enjoy true waterfront living with covered front and back deck porches, perfect for relaxing while taking in stunning sunrises and sunsets. Inside, the spacious living room features French doors that open into a bright Florida room with bamboo flooring, overlooking the canal and private dock-ideal for entertaining or peaceful mornings by the water. A pool table adds a fun and functional bonus to this inviting space. The large open kitchen and dining area offers generous space and functionality, complete with a built-in hutch and desk nook, perfect for working from home or staying organized. The primary suite is a true retreat, featuring an ensuite bath with a large whirlpool jacuzzi tub and separate shower. Call today to schedule your private tour of this exceptional waterfront home.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
South Elementary SchoolGrades PK-61.7 mi
2/10
Osceola Middle SchoolGrades 6-81.9 mi
3/10
Okeechobee High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Asphalt
  • Construction materials: Masonry Siding,Stucco Siding,Wood Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Finished area above ground: 3,209

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central

Interior Area

  • Total structure area: 3,209

Kitchen

  • Features: Open,Laminate Counters

Property

Details

  • Parcel number: 13537350020000001970
  • Lease amount: 0

Features

  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Access,Canal,Dock,Waterfront
  • Waterbody name: Taylor Creek

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Hurricane
Strong Wind
Tornado
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 $1,815$21,780
Home Insurance *$383$4,596
Property Taxes $597$7,164
Electricity $322$3,875
Total$3,117$37,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,868/yr
40% on housing$93,510/yr
45% on housing$83,120/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

--This 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
2026-01-19Listed for sale$359,000
2008-04-23Sold$140,000
2001-03-01Sold$85,000
1998-06-29Sold$97,500

For Sale by Agent

AgentJanetta Thiboult
BrokerageGILBERT REALTY GROUP

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