8674 SAN MATEO STREET, SEBRING, FL, 33872
Active138 days on marketListed Mar 17, 2026MLS #C7522545
About this home
8674 SAN MATEO STREET
Welcome to a rare opportunity in Sebring! This vacant residential parcel offers 0.29± acre of buildable land in a quiet, established neighborhood — perfect for your new home, vacation retreat, or investment. 8674 San Mateo St is ready for your vision in one of Central Florida’s most affordable and desirable communities. Sebring is known for its relaxed small-town charm, affordable cost of living, and abundant outdoor amenities. With no state income tax and Florida’s homestead benefits, the area has become increasingly attractive for retirees, second-home buyers, and investors alike. This location provides convenient access to downtown Sebring’s shops, dining, and services, as well as nearby lakes, parks, and recreational opportunities. Outdoor enthusiasts will appreciate the network of lakes for boating and fishing, while motorsport fans know Sebring as the home of the Sebring International Raceway, host of the world-renowned 12 Hours of Sebring endurance race. Whether you’re ready to build now or hold for future equity, this property presents a fantastic opportunity in a market where quality lots are limited.
Facts & features
The home at a glance
0.29 ac
Lot size
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.
$356 /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
$356/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.
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)
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 8674 SAN MATEO STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$70,000
4729 VILABELLA DRIVE · same community
1 bd · 1 ba · 749 sqft · $93/sqft · 310 DOM
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
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 8674 SAN MATEO STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8674 SAN MATEO STREET — 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
8674 SAN MATEO STREET FAQs
What would the monthly payment be for 8674 SAN MATEO STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $356/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 8674 SAN MATEO STREET?+
The most recent tax bill on record (2025) was $572. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Sebring?+
At $23,500, this home is listed about 92% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 8674 SAN MATEO STREET?+
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
Three things that matter here
01Under the SEBRING 33872 market on paper
$23,500 is 8% below the SEBRING 33872 median of $25,450.
02Time on market is leverage
138 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Tara Lawhorn. MLS #C7522545.
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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