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Vera Vita Real Estate

— About this home

Don't miss this opportunity to own a beautiful 3-bedroom, 2-bathroom waterfront home situated on a canal with direct water access to Lake Okeechobee. Whether you're an avid fisherman, boating enthusiast, or simply enjoy peaceful waterfront views, this property offers the ideal Florida lifestyle. Inside, you'll find a comfortable and functional floor plan with spacious living areas, a well-equipped kitchen, and generously sized bedrooms. Step outside onto the open back porch! The attached 2-car garage provides ample parking and additional storage for vehicles, fishing gear, or recreational equipment. With convenient access to one of Florida's premier freshwater lakes. none

— Facts & features

Interior

  • First Floor Entry
  • Other

Exterior

  • Other

Appliances

  • Electric Range
  • Refrigerator

Cooling & heating

  • Central Air
  • Central
  • Electric

Flooring

  • Tile

Parking

  • 2 Or More Spaces
  • Driveway
  • Parking Garage

Waterfront

  • Canal Front
  • Canal Width 1-80 Feet
  • Canal
  • Lake Access
  • Waterfront

View

  • Canal
  • Canal View

Laundry

  • Washer Hookup

Pets

  • Yes

Construction & roof

  • CBS Construction
  • Slab Construction
  • Comp Shingle Roof
  • Shingle

— Assigned schools

Elementary

Everglades

Middle

Osceola Creek

High

Okeechobee

School assignments should be independently verified.

— Location

3049 SE 38th Avenue, Okeechobee

— Mortgage Estimator

Estimate your monthly cost.

For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.

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% · $55,980
%
$223,920 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
$1,921
Per month, all-in
78%P&I SHARE
Monthly breakdown
  • Principal & interest$1,48978%
  • Property taxes$20411%
  • Insurance$22812%

Tax: From listing — annual tax of record.

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
$69,437
Income to qualify
$83,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $18/mo and $6,480 over the life of this loan.

Over the life of the loan
Total paid
$536,038
Total interest
$312,118
Paid off
2056
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Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.

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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.