13360 441 Highway SE, Okeechobee, FL, 34974
About This Home
Luxury Waterfront Living with Exclusive Preferred Lender Savings Now offered at $699,900, this exceptional waterfront residence combines luxury, privacy, and an unmatched Florida lifestyle. Qualified buyers can also take advantage of a 1 year interest rate reduction through the seller's preferred lender, helping lower monthly mortgage payments during the first year of homeownership. Why wait to build when you can own a home that already has it all? Designed for comfort and effortless living, this beautifully maintained residence features three spacious bedrooms, each with its own private en suite bath, plus a convenient half bath for guests. A versatile den provides the perfect space for a home office, media room, or flex room. The spacious eat in kitchen opens seamlessly to the main living area, creating the perfect setting for everyday living and entertaining. Step outside to your own private waterfront retreat featuring a private boat dock, a fully fenced backyard, and breathtaking Florida sunsets. Enjoy both lake and ocean access through the north and southeast locks, making this property a dream for boaters, anglers, and outdoor enthusiasts. Located along the scenic Rim Canal, you'll enjoy peaceful waterfront living with direct access to some of Florida's world class bass fishing. Additional highlights include a new A/C system that is less than one year old, a reverse osmosis water system, storm gutters, and a spacious two car garage. With luxury finishes, exceptional waterfront amenities, and the added benefit of a 1 year interest rate reduction through the seller's preferred lender, this is a rare opportunity to own an extraordinary waterfront home at an exceptional value. Experience the luxury. Embrace the lifestyle. Welcome home.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2021
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Block,Stone,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary,Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dryer,Dishwasher,Electric Cooktop,Microwave,Oven,Water Purifier Owned,Refrigerator,Water Purifier,Washer
- Laundry features: Main Level,Laundry Room,Laundry Tub
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 4
- Main level bedrooms: 3
Features
- Breakfast Bar,Breakfast Area,Bathtub,Dining Area,Separate/Formal Dining Room,Dual Sinks,Entrance Foyer,Eat-in Kitchen,Garden Tub/Roman Tub,High Ceilings,Kitchen Island,Pantry,Split Bedrooms,Soaking Tub,Separate Shower,Vaulted Ceiling(s),Walk-In Closet(s)
- Door features: French Doors
- Window features: Storm Window(s)
- Flooring: Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s),Zoned
Interior Area
- Total structure area: 3,245
- Total interior livable area: 2,310 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 12538360010000000260
- Zoning: A
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Deck,Patio
- Exterior features: Outdoor Kitchen,Outdoor Living Area,Room For Pool
- Fencing: Back Yard,Chain Link,Fenced,Gate
- Has view: Yes
- View description: Canal,Water
- Has water view: Yes
- Water view: Canal,Water
- On waterfront: Yes
- Waterfront features: Canal Access,Canal Front,Lake Privileges,Navigable Water,Ocean Access,River Access
Lot
- Lot size: 0.49 Acres
- Features: 1/4 to 1/2 Acre Lot,Sprinkler System
Parking
- Total spaces: 8
- Parking features: Attached,Driveway,Garage,Paver Block
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Lightning
- Hurricane
- Inland Flooding
- Strong Wind
- Cold Wave
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Okeechobee County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,640 | $43,680 |
| Home Insurance * | $768 | $9,216 |
| Property Taxes | $437 | $5,244 |
| Electricity | $232 | $2,789 |
| Total | $5,077 | $60,924 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $699,900 |
| 2026-06-25 | Price change | $719,900 |
| 2026-04-29 | Listed for sale | $724,900 |
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