1407 INDIAN DRIVE, SEBRING, FL, 33875
Active193 days on marketListed Jan 11, 2026MLS #L4958402
About this home
1407 INDIAN DRIVE
***MOTIVATED SELLERS*** If you’ve been searching for a lakefront home in Florida with a private dock, no HOA, and land, this is one to see. Located in Sebring, Florida, this 3-bedroom, 2-bath waterfront home sits on over an acre and offers the lifestyle buyers are actively searching for — space, privacy, and direct access to the water. Whether you’re looking for a Florida lake house, a waterfront home with a dock, or a Sebring FL home for sale with land, this property checks the boxes. Step outside and you’ll find true lakefront living — your own private dock, wide water views, and space to boat, fish, kayak, or relax by the water. With no HOA, you have the flexibility to enjoy your property without restrictions. Inside, the home is bright, open, and functional. The updated kitchen with quartz island creates a natural gathering space, while the home’s A-frame design adds character and charm that stands out from typical homes for sale in Sebring. Major updates provide peace of mind, including a new roof (2025) and well redone (2024) New Flooring in Kitchen and living room (2026)— key features buyers look for when searching for a move-in ready waterfront home in Florida. The property also includes an oversized garage and separate workshop/storage building, ideal for lake gear, hobbies, or additional storage. With lakefront access, a private dock, over an acre of land, no HOA, and major updates already completed, this home offers a rare combination buyers are actively searching for in today’s market. For buyers looking for a lakefront home Florida, waterfront property Sebring FL, or a Florida home with dock and land, this opportunity stands out.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,299
Sqft
1.13 ac
Lot size
2
Garage
1981
Year built
One
Levels
$207
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.
$3,538 /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
$3,538/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 33875 — neighborhood snapshot
Population
11,429
Median age
49.3
Median income
$76,990
Median home value
$216,500
Avg household
2.36
Households w/ children
1,066
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 1800% above the SEBRING 33875 median. See the full Sebring market guide →
Paper trail
This home's history
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 1407 INDIAN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1407 INDIAN 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
1407 INDIAN DRIVE FAQs
What would the monthly payment be for 1407 INDIAN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,538/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 1407 INDIAN DRIVE?+
The most recent tax bill on record (2024) was $4,457. 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 $475,000, this home is listed about 70% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 1407 INDIAN DRIVE?+
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
$475,000 runs 1800% above the SEBRING 33875 median — but at 2,299 sqft it's also 53% 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
193 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 $495,000, now $475,000 — a $20K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Kaili Ross. MLS #L4958402.
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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