18 Shell Road, Okeechobee FL 34974, OKEECHOBEE, FL, 34974
Active187 days on marketListed Jan 17, 2026MLS #F10546159
About this home
18 Shell Road, Okeechobee FL 34974
Enjoy waterfront living in Turtle Cove with this well-maintained 2015 Cedar Creek Cottage park model camper offering approximately 30’ of waterfront in a desirable 55+ community. The interior features a full kitchen with island seating, spacious living area, dining space, private bedroom, and stackable washer and dryer. Multiple slide-outs create an open, comfortable layout filled with natural light. Exterior highlights include a concrete pad and covered entry ideal for relaxing by the canal. An additional lot across the road conveys with the purchase, featuring a small storage shed for added flexibility. Ideal for seasonal or low-maintenance Florida living. Camper/RV classification. Buyer to verify park rules.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
361
Sqft
2015
Year built
$302
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 and the real association fee — not generic estimates.
$1,056 /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
$1,056/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.
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)
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 18 Shell Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18 Shell Road — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18 Shell Road FAQs
What would the monthly payment be for 18 Shell Road, Okeechobee FL 34974?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,056/mo — principal and interest, the actual property-tax bill, the $158/mo association fee 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.
How much are the HOA fees at 18 Shell Road, Okeechobee FL 34974?+
The association fee works out to $158 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18 Shell Road, Okeechobee FL 34974?+
The most recent tax bill on record (2025) was $578. 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 $109,000, this home is listed about 61% 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
$109,000 is 49% 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
187 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 $125,000, now $109,000 — a $16K cut. The full history is in the market section below.
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 Miami Association of REALTORS®.
Never miss a listing
New Okeechobee homes, in your inbox
Like 18 Shell Road, Okeechobee FL 34974 but not quite? A daily digest of every new listing in Okeechobee — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →