3401 DIVOT ROAD, SEBRING, FL, 33872
Active259 days on marketListed Nov 5, 2025MLS #L4957116
About this home
3401 DIVOT ROAD
Discover comfort, convenience, and easy Florida living in this beautifully maintained Sebring home. Set on a generous sized lot (.45 acre mol), in the "premier golf community" of Golf Hammock, this well-maintained residence offers inviting indoor-outdoor spaces perfect for everyday living and relaxed entertaining. Step inside to an open living area featuring vaulted ceilings, abundant natural light, and seamless flow to the dining space and upgraded kitchen. The kitchen boasts clean, modern style with white shaker cabinetry, stone countertops, tile backsplash, and quality appliances—ideal for cooking at home or hosting guests. Enjoy morning coffee or evening breezes in the covered lanai overlooking the spacious yard, which provides a tranquil outdoor setting with room for gardening, pets, or peaceful relaxation. Homeowner Warranty provided. Additional highlights include: • Single-level living • Covered lanai for outdoor enjoyment • Updated flooring and fixtures • Two-car garage with laundry space • Low-maintenance lot with mature landscaping • Low HOA fees Located in a desirable Sebring neighborhood known for its welcoming atmosphere and access to recreation, conveniences, and community amenities. This move-in-ready home offers the ideal balance of comfort, style, and an easy living lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,444
Sqft
0.45 ac
Lot size
2
Garage
1986
Year built
One
Levels
$222
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 and the real association fee — not generic estimates.
$2,368 /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
$2,368/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
+41.1%
$/sqft vs Sebring actives
$222 vs $188
Days on market
259 vs 60 typical
Where $222/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 →
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)
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 1180% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 3401 DIVOT ROAD
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$277,500
3613 DIVOT ROAD · same community
2 bd · 2 ba · 1,448 sqft · $192/sqft · 39 DOM
Sold · Feb ’26$459,750
3709 PAR ROAD · same community
3 bd · 2.5 ba · 1,910 sqft · $241/sqft · 0 DOM
Sold · Jul ’26$320,000
4415 BUNKER DRIVE · same community
3 bd · 2 ba · 1,910 sqft · $168/sqft · 6 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 3401 DIVOT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3401 DIVOT ROAD — 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
3401 DIVOT ROAD FAQs
What would the monthly payment be for 3401 DIVOT ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,368/mo — principal and interest, the actual property-tax bill, the $31/mo association fee 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.
How much are the HOA fees at 3401 DIVOT ROAD?+
The association fee works out to $31 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3401 DIVOT ROAD?+
The most recent tax bill on record (2025) was $1,827. 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 3401 DIVOT ROAD?+
The listing reports pets: 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 $319,900, this home is listed about 14% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3401 DIVOT ROAD?+
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
Four things that matter here
01Positioned at the premium end
$319,900 runs 1180% above the SEBRING 33872 median.
02Time on market is leverage
259 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.
04The price has already moved
Listed at $339,900, now $319,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADVANTAGE REALTY 1 · Susan Geitner. MLS #L4957116.
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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