2316 Gem Stone, Sebring FL 33857, SEBRING, FL, 33857
Active102 days on marketListed Apr 21, 2026MLS #A12004954
About this home
2316 Gem Stone, Sebring FL 33857
Nearly 5 acres in Lorida of true agriculture land-complete with a mobile home, an outbuilding that has been converted into a cabin like apartment, a tall pole barn, fencing, gated, pond, and some garden areas that just need a little TLC to spring them back to life. The mobile has a newer metal roof (2024) and the inside has a spacious living area/kitchen but it does need work. This property is super unique and is harder and harder to find these days. The property is about , about 20 minutes to Publix and also to Downtown Sebring, 3 hours away from the Miami airport, and under 2 hours to Disney World.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,064
Sqft
1988
Year built
$226
Per sqft
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.
$1,766 /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
$1,766/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs NONE
$226 vs $339
Days on market
102 vs 60 typical
Where $226/sqft sits among the 271 homes for sale in NONE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Sebring
Get to know Sebring. See the full Sebring guide →
SEBRING 33857 — neighborhood snapshot
Population
935
Median age
64.5
Median income
$47,083
Median home value
$132,400
Avg household
1.96
Households w/ children
37%
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sebring market
$270K → $293K
Sebring median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
101 of 271
NONE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the SEBRING 33857 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 2316 Gem Stone
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$200,000
1401 E VOORHIS AVENUE · same community
2 bd · 1 ba · 961 sqft · $208/sqft · 204 DOM
Sold · Jan ’26$339,000
28750 JONES LOOP ROAD · same community
2 bd · 1 ba · 886 sqft · $383/sqft · 0 DOM
Sold · Jun ’26$450,000
8225 WAKEFORD ROAD · same community
3 bd · 2.5 ba · 1,339 sqft · $336/sqft · 10 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2316 Gem Stone — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2316 Gem Stone — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2316 Gem Stone FAQs
What would the monthly payment be for 2316 Gem Stone, Sebring FL 33857?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,766/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 2316 Gem Stone, Sebring FL 33857?+
The most recent tax bill on record (2025) was $1,047. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2316 Gem Stone, Sebring FL 33857?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Sebring?+
At $240,000, this home is listed about 14% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2316 Gem Stone, Sebring FL 33857?+
Fred Wild Elementary School (elementary), Sebring High School (high), Sebring Middle School (middle) — Highlands County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$240,000 runs 50% above the SEBRING 33857 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $260,000, now $240,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Sebring Lakefront Properties, LLC · Audrey Asciutto. MLS #A12004954.
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 Miami Association of REALTORS®.
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