1315 NE 342ND TRAIL, OKEECHOBEE, FL, 34972
Active34 days on marketListed Aug 17, 2026MLS #K4903688
Come see it
Upcoming open house
Sun, Sep 27
12:00 PM – 2:00 PM
About this home
1315 NE 342ND TRAIL
Welcome to this beautiful newer 3-bedroom, 2.5-bath CBS home in Lake Montanza Estates, fully fenced with a gate and situated on 5.02 acres. The split-bedroom floor plan offers privacy, while the open living, dining, and kitchen areas create a welcoming space for everyday living and entertaining. The kitchen features white cabinetry, quartz countertops, and LG appliances. The spacious primary suite offers a large walk-in closet and beautifully finished bathroom with a tile shower and marble flooring. The guest bathroom also features a tile shower and marble flooring. A mudroom with half bath and separate laundry room add convenience and functionality. Additional features include a metal roof, impact windows, spray-foam insulation, electric tankless water heater, whole-home Wi-Fi, and 400-amp electrical service, with 200 amps serving the home and an additional 200 amps ready to serve the metal building. A 50-amp RV outlet is also located at the home.Outside, enjoy the large concrete patio and a 2024-built 24' x 40' metal building with a 12' x 40' lean-to, providing approximately 1,440 sq. ft. of covered space. Furniture and appliances are included.A great opportunity to enjoy a newer home with modern finishes, a substantial outbuilding, and the space, privacy, and flexibility that come with over 5 acres.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,647
Sqft
5.02 ac
Lot size
2025
Year built
One
Levels
$364
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.
$3,753 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,753/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$364 vs $212
Days on market
34 vs 12 typical
Where $364/sqft sits among the 57 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 34972 — neighborhood snapshot
Population
19,185
Median age
38.7
Median income
$53,902
Median home value
$193,300
Avg household
2.76
Households w/ children
2,367
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Okeechobee market
$225K → $301K
Okeechobee median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
18 of 57
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1171% above the OKEECHOBEE 34972 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1315 NE 342ND TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1315 NE 342ND TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1315 NE 342ND TRAIL FAQs
What would the monthly payment be for 1315 NE 342ND TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,753/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 1315 NE 342ND TRAIL?+
The most recent tax bill on record (2025) was $1,572. 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 $599,900, this home is listed about 114% above the Okeechobee median of $279,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1315 NE 342ND TRAIL?+
Harmony High School (high), Harmony Community School (elementary), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$599,900 runs 1171% above the OKEECHOBEE 34972 median.
02Time on market is leverage
34 days on market against a Okeechobee median of 12 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, St. Cloud Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $614,000, now $599,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAN REALTY OF PSL LLC · Daniel Castaneda. MLS #K4903688.
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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