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Vera Vita Real Estate

— About this home

Spacious 2005 manufactured home situated on 3 acres! This 4-bedroom, 2-bath home features generously sized bedrooms, a large kitchen with plenty of cabinet space, an indoor laundry room, and an almost apartment-style efficiency perfect for guests or a home office. The efficiency/bonus room just needs flooring to complete the space, and the seller is leaving all of the flooring they've already purchased for the new owner. Enjoy the peaceful pond and ample outdoor space with endless possibilities for animals, recreation, or country living. *Some pictures have editing/staged

— Facts & features

Interior

  • Built-in Features
  • Closet Cabinetry
  • Cooking Island
  • Pantry
  • Roman Tub
  • Split Bedroom
  • Walk-In Closet(s)
  • Storage

Appliances

  • Dishwasher
  • Dryer
  • Microwave
  • Water Purifier
  • Refrigerator
  • Self Cleaning Oven
  • Solar Hot Water
  • Wall Oven
  • Washer
  • Water Softener Owned

Cooling & heating

  • Central Air
  • Central

Flooring

  • Carpet

View

  • Pond View
  • Pond

Pets

  • Yes

Construction & roof

  • Comp Shingle Roof
  • Shingle

— Assigned schools

Elementary

Seminole

Middle

Yearling

High

Okeechobee

School assignments should be independently verified.

— Location

19138 NW 276TH Street, Okeechobee

— Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeMartin
Martin County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $67,000
%
$268,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$2,348
Per month, all-in
76%P&I SHARE
Monthly breakdown
  • Principal & interest$1,78276%
  • Property taxes$29312%
  • Insurance$27312%

Tax: Martin County effective rate (1.05%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$82,293
Income to qualify
$101,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $21/mo and $7,755 over the life of this loan.

Over the life of the loan
Total paid
$641,560
Total interest
$373,560
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.