4441 PALMARITO STREET, SEBRING, FL, 33872
Active108 days on marketListed Apr 8, 2026MLS #L4960950
About this home
4441 PALMARITO STREET
Welcome to effortless Florida living in the highly desirable Sun ‘n Lake community—a premier golfing neighborhood known for its beautifully maintained surroundings, peaceful streets, and convenient location. This nearly new 4-bedroom, 2-bathroom home offers the perfect blend of modern comfort and thoughtful design, having had only one tenant since it was built. From the moment you step inside, you’re greeted by a bright, open-concept layout that seamlessly connects the living, dining, and kitchen areas—ideal for both everyday living and entertaining. The spacious breakfast bar anchors the kitchen, providing generous seating for casual meals, morning coffee, or gathering with friends and family. With ample counter space and cabinetry, the kitchen flows naturally into the main living space, creating an inviting atmosphere filled with natural light. The split floorplan offers privacy and flexibility, placing the primary suite on one side of the home and the additional three bedrooms on the other. The primary bedroom serves as a peaceful retreat, complete with an en-suite bathroom designed for comfort and convenience. On the opposite side, three well-sized bedrooms share a full bath, making this layout perfect for families, guests, or even a home office setup. A dedicated laundry room adds everyday practicality, keeping household tasks organized and separate from the main living areas. Every space in this home reflects its nearly brand-new condition—clean, well-maintained, and ready for its next owner to move right in. Located within Sun ‘n Lake, residents enjoy access to a vibrant golfing community atmosphere while still being just minutes from medical facilities, schools, shopping, and dining. Whether you're seeking a primary residence, seasonal retreat, or investment opportunity, this home offers the rare combination of modern construction, functional design, and an unbeatable location. If you’ve been looking for a home that feels fresh, spacious, and thoughtfully laid out in a community that offers both recreation and convenience, this one checks every box.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,803
Sqft
0.23 ac
Lot size
2
Garage
2024
Year built
One
Levels
$164
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.
$2,367 /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
$2,367/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
−7.9%
$/sqft vs SUN N LAKE
$164 vs $195
Days on market
108 vs 60 typical
Where $164/sqft sits among the 53 homes for sale in SUN N LAKE
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)
22 of 53
SUN N LAKE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1080% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 4441 PALMARITO STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$235,000
4027 BIANCA STREET · same community
3 bd · 2 ba · 1,796 sqft · $131/sqft · 16 DOM
Sold · Dec ’25$250,000
4408 NAVARRE AVENUE · same community
4 bd · 2 ba · 1,828 sqft · $137/sqft · 0 DOM
Sold · Mar ’26$292,900
8736 CAPILLA STREET · same community
4 bd · 2 ba · 1,759 sqft · $167/sqft · 104 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 4441 PALMARITO STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4441 PALMARITO 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
4441 PALMARITO STREET FAQs
What would the monthly payment be for 4441 PALMARITO STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,367/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 4441 PALMARITO STREET?+
The most recent tax bill on record (2025) was $4,082. 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 4441 PALMARITO STREET?+
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 $294,900, this home is listed about 5% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4441 PALMARITO 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.
Keep looking
Similar homes nearby
Listing courtesy of ADVANTAGE REALTY 1 · Nancy Newman May, PA. MLS #L4960950.
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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