718 BAY STREET, SEBRING, FL, 33870
Active318 days on marketListed Sep 9, 2025MLS #L4955708
About this home
718 BAY STREET
FOR SALE - 2 Bedroom/1 Bath single family home. This is a cement block home with a carport and a big backyard. It has a nice-sized back porch, and it has a lot of natural light coming into the living room and kitchen. This home is USDA Eligible. It is walking distance to the Sebring High School and a minute away from downtown Sebring. Downtown Sebring is known as "The City on the Circle" because this Historic district is built around a charming circular park. It is listed in the National Register of Historic Places. The area highlights the architectural beauty of the 1920's with fun, lively entertainment, boutiques, cafes, art galleries, and plenty of shopping. The downtown also features an indoor mall and a marketplace that sells antiques, furniture, and art. Sebring features an outstanding golf course, the "Citrus Golf Trail" with 10 courses with fantastic views and provides the golfers with mind-blowing designs. For racecar drivers, the "Sebring International Raceway" has been entertaining fans since 1950 with race events 300 days out of the year. For those who enjoy nature, the "Highland Hammock State Park" is home to more rare and endangered species than anywhere else in Florida. It has 9 walking trails, a boardwalk, a 3-mile bike loop, and a tram tour for those who like to watch alligators in the wild from a distance. Sebring has several lakes with "lake beaches" for water sports: "Lake Jackson", "Hidden Beach", "Crescent Beach", and "Veteran's Beach". When it's hot outside, Sebring offers the "Sebring Soda and Ice Cream Works" with 200 varieties of bubbly sweet sodas from around the world. Florida is known for its delicious oranges and there's no better place than "Maxwell Groves Country Store" to enjoy orange juice, citrus wine, or soft-serve orange ice cream. For an evening dinner there's plenty to choose from such as "Cowpoke's Watering Hole", "Faded Bistro & Beer Garden", "The 301", or "Brew-Haha's Burger Emporium". Sebring also has plenty of hotels and campgrounds to stay in year-round. Send in your contract for this home today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,072
Sqft
0.19 ac
Lot size
1959
Year built
One
Levels
$177
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.
$1,585 /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
$1,585/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
+39%
$/sqft vs Sebring actives
$177 vs $188
Days on market
318 vs 60 typical
Where $177/sqft sits among the 206 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 →
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)
90 of 206
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the SEBRING 33870 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 718 BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$210,000
518 OAK AVENUE · same community
2 bd · 2 ba · 1,472 sqft · $143/sqft · 40 DOM
Sold · Aug ’25$146,000
1561 LAKEVIEW DRIVE UNIT 945 · same community
2 bd · 2.5 ba · 1,482 sqft · $99/sqft · 187 DOM
Sold · Jul ’26$148,750
1561 LAKEVIEW DRIVE UNIT 977 · same community
2 bd · 2 ba · 1,505 sqft · $99/sqft · 55 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 718 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 718 BAY 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
718 BAY STREET FAQs
What would the monthly payment be for 718 BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,585/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 718 BAY STREET?+
The most recent tax bill on record (2024) was $2,670. 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 $190,000, this home is listed about 32% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 718 BAY STREET?+
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
$190,000 runs 27% above the SEBRING 33870 median.
02Time on market is leverage
318 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $239,000, now $190,000 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Linda Andre. MLS #L4955708.
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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