3431 SE 28TH STREET, OKEECHOBEE, FL, 34974
Active194 days on marketListed Jan 24, 2026MLS #O6376620
About this home
3431 SE 28TH STREET
Discover the perfect location for your future custom built or manufactured home on this stunning oversize (quarter acre) Treasure Island canal front lot. Boating enthusiasts will appreciate Lake Okeechobee access with no fixed bridges and the convenience of reaching both Atlantic and Gulf coasts directly by water. Just minutes from Taylor Creek and the Lake Okeechobee lock, you’ll enjoy quick and easy access to some of the best fishing in Florida. The lot is cleared and build-ready, with city water and electric available at the lot, plus the huge benefit of a current permitted and approved septic system - making your building process quick and seamless. Don’t miss the opportunity to secure this prime piece of waterfront property!
Facts & features
The home at a glance
0.25 ac
Lot size
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.
$675 /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
$675/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 → $244K
Okeechobee median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3431 SE 28TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$100,000
3412 SE 18th Terrace, Okeechobee FL 34974
2 bd · 2 ba · 141 DOM
Sold · May ’26$105,000
1601 Us Highway 441 Highway SE # 108, Okeechobee FL 34974
2 bd · 1 ba · 612 sqft · $172/sqft · 58 DOM
Sold · Feb ’26$55,000
4437 SE 23RD COURT
2 bd · 1.5 ba · 728 sqft · $76/sqft · 12 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3431 SE 28TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3431 SE 28TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3431 SE 28TH STREET FAQs
What would the monthly payment be for 3431 SE 28TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $675/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 3431 SE 28TH STREET?+
The most recent tax bill on record (2025) was $827. 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 $70,500, this home is listed about 74% below the Okeechobee median of $274,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the OKEECHOBEE 34974 market on paper
$70,500 is 66% below the OKEECHOBEE 34974 median of $210,000.
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
194 days on market against a Okeechobee median of 61 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6376620.
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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