3101 Duane Palmer, Sebring FL 33876, SEBRING, FL, 33876
Active57 days on marketListed Jun 10, 2026MLS #A12035135
About this home
3101 Duane Palmer, Sebring FL 33876
New construction opportunity offering exceptional value in a highly desirable area. Currently offered as a pre-construction home, this property presents a rare chance to own a residence of this size and caliber while having the opportunity to personalize select finishes and design elements. Situated on a generous 15,489 sq ft lot, the home features 2,374 sq ft of living area, a 326 sq ft covered lanai, and 3,556 total sq ft including the garage, porch, and lanai, offering an ideal blend of spacious indoor and outdoor living. Construction will begin upon execution of a purchase contract, with an estimated completion timeline of approximately 8 months from contract date. Architectural renderings are for illustrative purposes only. The pool shown in renderings is not included in the base purchase price; however, it may be available as an optional upgrade for buyers seeking to enhance their outdoor living experience. With limited inventory offering similar size, design, and features in the area, this property stands out as an excellent opportunity for investors and future homeowners alike. Built by an experienced local builder known for quality craftsmanship, premium finishes, and attention to detail, this home combines modern design with outstanding value in a growing community.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,374
Sqft
2
Garage
2026
Year built
$291
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.
$4,142 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,774/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Sebring actives
$291 vs $185
Days on market
57 vs 72 typical
Where $291/sqft sits among the 205 Sebring actives
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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,900/mo median
Live Sebring rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Spring Lake
Spring Lake is a short-term-rental community. See the full guide →
SEBRING 33876 — neighborhood snapshot
Population
7,378
Median age
54.4
Median income
$55,490
Median home value
$161,500
Avg household
2.65
Households w/ children
451
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
$265K → $303K
Sebring median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
97 of 205
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1052% above the SEBRING 33876 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 3101 Duane Palmer
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$390,000
5900 THUNDER ROAD
3 bd · 2 ba · 2,305 sqft · $169/sqft · 27 DOM
Sold · Sep ’25$481,000
6533 CONCORD STREET
4 bd · 2.5 ba · 2,287 sqft · $210/sqft · 40 DOM
Sold · Jan ’26$287,500
201 DELLS DRIVE
3 bd · 2 ba · 1,936 sqft · $149/sqft · 7 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 3101 Duane Palmer — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3101 Duane Palmer — 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
3101 Duane Palmer FAQs
What would the monthly payment be for 3101 Duane Palmer, Sebring FL 33876?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,142/mo — principal and interest, estimated property taxes 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 3101 Duane Palmer, Sebring FL 33876?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3101 Duane Palmer, Sebring FL 33876 be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
How does the price compare to other homes in Sebring?+
At $690,000, this home is listed about 131% above the Sebring median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3101 Duane Palmer, Sebring FL 33876?+
Cracker Trail 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
$690,000 runs 1052% above the SEBRING 33876 median — but at 2,374 sqft it's also 53% larger than the typical Sebring listing.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Other views
The other view is part of what you're buying — views hold value independently of the structure.
Keep looking
Similar homes nearby
Listing courtesy of EXP Realty LLC · Carolina Munoz. MLS #A12035135.
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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