, SEBRING, FL, 33876
Active364 days on marketListed Jul 17, 2025MLS #F10515697
About this home
GREAT STARTER OR VACATION HOME. 4 BEDRM, 2 BATHRM, OPEN FLOOR PLAN WITH WOOD BURNING FIREPLACE IN LIVING ROOM. 2 CAR GARAGE(ATTACHED) AND A 1 CAR GARAGE(DETACHED) WITH STORAGE ROOM. LARGE FAMILY ROOM. CENTRAL AIR & HEAT, NEW WATER FILTER, HURRICANE WINDOWS. DETACHED GARAGE USES AS A BOAT HOUSE. EXTRA LARGE LOT. ROOM FOR POOL, RV AND BOAT PARK. SELLERS WILL INSTALLED NEW A/C.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,362
Sqft
3
Garage
1963
Year built
1
Levels
$191
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.
$3,225 /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
$3,225/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 Sebring actives
$191 vs $189
Days on market
364 vs 60 typical
Where $191/sqft sits among the 207 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.
Where it sits
Inside Sebring
Get to know Sebring. See the full Sebring 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
$270K → $293K
Sebring median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
87 of 207
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 105% above the SEBRING 33876 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$345,000
352 ASHBOURNE DRIVE
3 bd · 2.5 ba · 1,359 sqft · $254/sqft · 97 DOM
Sold · Jun ’26$130,000
19 MARY BELL LANDING ROAD
3 bd · 2 ba · 1,200 sqft · $108/sqft · 215 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 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — 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
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,225/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 ?+
The most recent tax bill on record (2024) was $2,600. 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 ?+
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 $450,000, this home is listed about 61% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
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
Four things that matter here
01Positioned at the premium end
$450,000 runs 105% above the SEBRING 33876 median — but at 2,362 sqft it's also 57% larger than the typical Sebring listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
364 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $475,000, now $450,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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