For sale

$399,000

3 beds2,040 sq ft0.4 acres

2805 Se 20th CtOkeechobee, FL 34974

Homes, condos and townhomes · MLS 11896477 · Listed 100 days ago (Jul 21, 2026)

LakeOkeechobee · Canal · Waterfront, relationship not specified · Waterfront details

Report a problem

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

About this property

LAKE OKEECHOBEE ACCESS - Discover this exceptional waterfront property offering direct Lake Okeechobee access from two canals. Situated on a quiet cul-de-sac, this spacious home combines comfort, convenience, and endless possibilities. Designed with accessibility in mind, the home features handicap-accessible amenities, including a wheelchair lift at the front entrance, a spacious primary suite with an oversized walk-in closet, and a therapeutic walk-in tub in the primary bathroom. The inviting living area is centered around a cozy fireplace, creating the perfect space for relaxing or entertaining. Step outside to your private backyard oasis, where you'll find a heated, screened-in swimming pool overlooking the water. For boating enthusiasts, the property includes a boathouse with easy canal access, while the attached carport and oversized garage/workshop provide ample room for vehicles, tools, hobbies, and storage. This unique waterfront home offers the best of Florida living with privacy, accessibility, and outstanding amenities. Properties like this are rare-schedule your private showing today and experience everything this remarkable home has to offer!

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
LakeOkeechobee (as reported)Name as reported by the listing (not matched to a mapped water body)
Frontage length
"250" (unit not stated)
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
$399,000
Status
For sale
Property type
Homes, condos and townhomes
Bedrooms
3
Full baths
2
Interior area
2,040 sq ft
Lot size
0.4 acres
Year built
1994
Stories
1
County
Okeechobee County
MLS number
11896477
Annual property tax (2025)
$1,731

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

Features

Interior

  • Walk-In Closet(s)
  • Entrance Foyer

Exterior

  • Outdoor Shower

Appliances

  • Range
  • Refrigerator
  • Dishwasher

Flooring

  • Vinyl

Parking

  • Carport

Construction

  • Vinyl Siding

Roof

  • Metal

Water

  • Public (Water Source)

Sewer

  • Septic Tank

Lot

  • Cul-De-Sac

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

    $79,800
    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

    $2,278 per month

    Principal and interest$2,018
    Property tax$144
    Homeowners insurance$117
    Loan amount$319,200
    Total interest over the term$407,122

    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 ($299,250 to $498,750), newest first. Each one passes the same waterfront rules. See all matches

    Front
    For sale

    $359,000

    2 beds1,712 sq ft

    Lake OkeechobeeCanalWaterfront, relationship not specified

    3037 Se 37th AveOkeechobee, FL 34974

    Homes, condos and townhomes · MLS 11863502

    Listing courtesy of ANDERSON REALTY CO · MyStateMLS

    Front of House
    For sale

    $305,000

    3 beds1,302 sq ft

    Lake OkeechobeeCanalWaterfront, relationship not specified

    3031 Se 29th LnOkeechobee, FL 34974

    Homes, condos and townhomes · MLS 11739453

    Listing courtesy of ANDERSON REALTY CO · MyStateMLS

    Photo 1 of 28, home at 1107 Se 8th Ave, Okeechobee, FL 34974
    For saleReduced $20,000

    $320,000

    4 beds

    CanalWaterfront, relationship not specified

    1107 Se 8th AveOkeechobee, FL 34974

    Attached home · MLS 11633978

    Listing courtesy of Century 21 Hazellief & Prevatt Realty · MyStateMLS

    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.