4600 SAN LORENZO DRIVE, SEBRING, FL, 33872
Active285 days on marketListed Oct 13, 2025MLS #A4668294
About this home
4600 SAN LORENZO DRIVE
Assumable FHA Loan at 2.875% • No HOA • Move-In Ready in Sun 'N Lake! Discover exceptional value and Florida lifestyle living in this beautifully updated 3-bedroom, 2-bath Newport Model located in the desirable Deer Run Estates section of Sun 'N Lake, one of Sebring's premier golf course communities. Situated on an oversized lot with tranquil wooded views, this move-in-ready home offers privacy, comfort, and modern upgrades throughout. Step inside to find brand-new luxury vinyl plank flooring throughout the entire home—absolutely no carpet. The bright and inviting split-bedroom floor plan provides both functionality and privacy, while the spacious primary suite features dual walk-in closets, a private water closet, and plenty of room to unwind. Thoughtful upgrades including ceiling fans and window blinds are already in place, making this home truly turnkey and ready for its new owners. Enjoy the best of Sun 'N Lake living with access to outstanding community amenities, including: • 36 holes of championship golf • Resort-style swimming pool • Clubhouse and social activities • Tennis and recreation courts • Popular lakefront restaurant and bar Conveniently located near top-rated schools, shopping, dining, medical facilities, and hospitals, you'll enjoy both peaceful surroundings and everyday convenience. Rare Financing Opportunity Qualified buyers may take advantage of an assumable FHA loan with an incredibly low 2.875% interest rate (subject to lender approval)—potentially saving hundreds of dollars per month compared to current market rates. Whether you're looking for a primary residence, retirement retreat, or seasonal Florida getaway, this beautifully maintained home offers exceptional value in one of Sebring's most sought-after communities. Schedule your private showing today and experience everything this exceptional home has to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,471
Sqft
0.29 ac
Lot size
2
Garage
2021
Year built
One
Levels
$176
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.
$2,009 /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
$2,009/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.
vs edgeAI estimate
−9.8%
$/sqft vs SUN N LAKE
$176 vs $195
Days on market
285 vs 60 typical
Where $176/sqft sits among the 53 homes for sale in SUN N LAKE
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 33872 — neighborhood snapshot
Population
13,302
Median age
61.5
Median income
$68,086
Median home value
$193,900
Avg household
2.14
Households w/ children
1,049
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)
21 of 53
SUN N LAKE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 936% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 4600 SAN LORENZO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$265,000
5273 PEBBLE BEACH DRIVE · same community
3 bd · 2 ba · 1,642 sqft · $161/sqft · 76 DOM
Sold · Apr ’26$300,000
5963 VIRTUDES STREET · same community
4 bd · 2 ba · 1,654 sqft · $181/sqft · 110 DOM
Sold · Jan ’26$294,900
4613 BOSTON STREET · same community
4 bd · 2 ba · 1,713 sqft · $172/sqft · 112 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 4600 SAN LORENZO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4600 SAN LORENZO DRIVE — 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
4600 SAN LORENZO DRIVE FAQs
What would the monthly payment be for 4600 SAN LORENZO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,009/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 4600 SAN LORENZO DRIVE?+
The most recent tax bill on record (2024) was $2,519. 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 4600 SAN LORENZO DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $259,000, this home is listed about 7% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4600 SAN LORENZO DRIVE?+
Hill-Gustat Middle School (middle), Sun 'n Lake Elementary School (elementary), Avon Park High School (high) — Highlands County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$259,000 runs 936% above the SEBRING 33872 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
285 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Hill-Gustat Middle School, Sun 'n Lake Elementary School, Avon Park High School — Hill-Gustat Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $294,900, now $259,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Reggie Duey, III. MLS #A4668294.
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 Stellar MLS.
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