For sale

$249,000

2 beds882 sq ft0.11 acres

21 Shell RdOkeechobee, FL 34974

Homes, condos and townhomes · MLS 11863530 · Listed 123 days ago (Jun 28, 2026)

Lake Okeechobee · Canal · Waterfront, relationship not specified · Waterfront details

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For sale: Listed and available according to the MyStateMLS feed.

About this property

Turtle Cove - Lake Okeechobee Access - Active 55+ Community Enjoy the Florida lifestyle in this beautifully updated home located in the desirable Turtle Cove community with access to Lake Okeechobee. This active 55+ community offers a welcoming atmosphere and plenty of opportunities to enjoy boating, fishing, and social activities. The home features a completely updated kitchen (2024) with new appliances (2024), an updated bathroom (2024), and beautiful hardwood floors throughout, creating a warm and inviting living space. Across the street, you'll find a spacious carport and insulated, climate-controlled storage shed equipped with 200-amp electrical service, making it perfect for a workshop, hobby space, or additional storage. Special Financing Opportunity! The seller is willing to offer owner financing with a substantial down payment, providing a unique opportunity for qualified buyers. Don't miss your chance to own this move-in-ready home in one of the area's most desirable waterfront communities. Schedule your private showing today!

Description provided by the listing brokerage.

MLS-reported waterfront

Waterfront details

The listing reports the property as waterfront but does not say how it meets the water. Ask the listing agent whether the parcel itself adjoins the shoreline.

Relationship to the water
Waterfront, relationship not specified
Water type
Canal
Water body
Lake OkeechobeeListing names this water body (matched to our registry)
Frontage length
Not provided. Ask the listing agent.
Water access arrangement
Not provided. Ask the listing agent.
Docks, slips, lifts, moorings
Not provided. Ask the listing agent.
Dock depth
Not provided. Ask the listing agent.
Shoreline
Not provided. Ask the listing agent.
Seasonal or tidal conditions
Not provided. Ask the listing agent.
Boating limits (bridges, depth, open-water access)
Not provided. Ask the listing agent.
Why this is listed as waterfront
  • WaterfrontYN “Yes”: The listing is marked waterfront.
  • WaterfrontFeatures “Canal Front”: Includes a "… Front" value describing frontage.
  • PropertyTypeDetail “residential”: Property form used to read the frontage relationship.

Classified from fields in the MyStateMLS listing data. It has not been independently verified, and it is not a survey, title examination or legal determination of shoreline or access rights. Rules version 2026-10-29.1. How we classify waterfront

Something wrong with this classification? Report a waterfront classification issue. Questions about frontage, docks or access are best answered by Vicki Anderson of ANDERSON REALTY CO.

Facts

List price
$249,000
Status
For sale
Property type
Homes, condos and townhomes
Bedrooms
2
Full baths
2
Interior area
882 sq ft
Lot size
0.11 acres
Year built
2004
County
Glades County
MLS number
11863530
Annual property tax (2025)
$931

Facts are reported by the listing brokerage. Items not listed were not provided; that does not mean the property lacks them.

Features

Interior

  • Entrance Foyer

Appliances

  • Washer
  • Range
  • Microwave
  • Refrigerator
  • Dryer
  • Dishwasher

Flooring

  • Vinyl

Parking

  • Carport

Construction

  • Vinyl Siding

Roof

  • Metal

Water

  • Public (Water Source)

Sewer

  • Public Sewer

Location

The pin is the listing's reported coordinates and may be approximate. It is not a parcel boundary or shoreline, and no flood, wetland or hazard conclusion should be drawn from it. See more listings in Okeechobee.

Price and status history

    Changes observed by Waterfront Homes in MyStateMLS data since Oct 29, 2026. This is not a public-record sales history; MyStateMLS does not publish sold prices.

    Estimate a monthly payment

    $49,800
    Illustrative. Replace with a quote from your lender.
    From the listing (tax year 2025). Taxes can change after a sale.
    Get a quote; rates vary widely by location.
    Manufactured homes on a leased lot.
    Applied only while the loan is over 80% of the price. Illustrative.

    Estimated monthly payment

    $1,407 per month

    Principal and interest$1,259
    Property tax$78
    Homeowners insurance$71
    Loan amount$199,200
    Total interest over the term$254,069

    An estimate for comparison only, not a loan offer or approval. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.

    Similar waterfront listings nearby

    Waterfront listings of the same property type and water type in Okeechobee, priced within 25% of this listing ($186,750 to $311,250), newest first. Each one passes the same waterfront rules. See all matches

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    Photo 1 of 25, home at 23 Shell Rd, Okeechobee, FL 34974
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    Lake OkeechobeeCanalWaterfront, relationship not specified

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    Front of House
    For sale

    $305,000

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    Front
    For saleReduced $57,000

    $295,000

    2 beds2,020 sq ft

    Lake OkeechobeeCanalWaterfront, relationship not specified

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    Attached home · MLS 11633755

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    Front
    For saleReduced $46,000

    $250,000

    3 beds2,214 sq ft

    Lake OkeechobeeCanalWaterfront, relationship not specified

    1160 20th StreetOkeechobee, FL 34974

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    Questions to ask before you buy

    Questions worth investigating for any waterfront property. They are not claims that this property has a problem or meets any condition.

    1. Who owns the shoreline and the land under the water, and are there easements or public-access rights along it?Ownership can stop at a high-water line, a survey line or a seawall. A title search and survey answer this, not the listing.
    2. Is a dock, slip, lift or mooring included, and do the rights transfer to you?Docks can be shared, leased, assigned by an association or held under a permit that does not automatically transfer.
    3. What permits exist for the dock, seawall or other shoreline structures, and what would new work require?Shoreline work is often regulated by local, state and federal agencies.
    4. How much does the water level change by season, by tide or by reservoir management?Depth at a dock in one season can differ a lot in another.
    5. What does flood insurance cost for this property, and what does the current flood map show?Get a quote from an insurer or agent. A flood zone is not a premium, and no zone does not mean no risk.
    6. What maintenance does the shoreline need (seawall, bulkhead, riprap, erosion), and what has been done recently?Shoreline structures are expensive to repair; ask for records and inspection reports.
    7. How are water, sewer or septic, and power provided?Waterfront septic systems and wells can have extra rules and inspections.
    8. How do you reach the property by road year-round, and who maintains that road?Some waterfront roads are private, seasonal or shared.
    9. What local rules apply: rentals, docks, boat lifts, fences, tree removal, setbacks?Rules come from the town, county, state, lake authority or association and vary widely.

    Printable due-diligence checklist · Ownership budget planner · FEMA Flood Map Service Center (official flood maps; look up the address yourself)

    Guides and next steps

    Listing courtesy of ANDERSON REALTY CO. Listing agent: Vicki Anderson. Listings provided by MyStateMLS.

    Listing last updated by the brokerage Jul 29, 2026, 3:20 PM UTC. Waterfront Homes last received MyStateMLS data Oct 29, 2026, 8:31 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.