3915 EL RADO AVENUE, SEBRING, FL, 33872
Active196 days on marketListed Jan 19, 2026MLS #O6375041
About this home
3915 EL RADO AVENUE
NEW PRICE AND SELLER CONCESSIONS AVAILABLE!. Discover exceptional Florida new construction living in this beautifully finished home located in the highly desirable Sun ’N Lake community. Built with today’s most in-demand features, this property features an open-concept layout, luxury vinyl plank flooring, soaring ceilings, abundant natural light, and premium designer finishes throughout. The kitchen stands out with quartz countertops on all surfaces, a stylish backsplash, and modern fixtures. Bathrooms feature elegant tile work, a clean contemporary design, and windows that provide natural light and ventilation. The private primary suite includes a spacious walk-in closet, while all additional bedrooms are equipped with built-in closets, providing excellent functionality and storage. Additional highlights include an epoxy-coated 2-car garage, utility sink, full irrigation system, and a covered lanai with fans and lighting—perfect for year-round Florida indoor-outdoor living. Located in one of Sebring’s fastest-growing and most sought-after neighborhoods, this home provides quick access to championship golf courses, a resort-style pool, fitness center, tennis and pickleball courts, playgrounds, and scenic walking trails. Minutes from AdventHealth Sebring, schools, shopping, dining, and major commuter routes. Ideal for relocation buyers, first-time homeowners, and anyone seeking a high-quality home with low maintenance and strong future value.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,505
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$216
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.
$2,289 /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
$2,289/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 SUN N LAKE
$216 vs $191
Days on market
196 vs 68 typical
Where $216/sqft sits among the 57 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
$265K → $303K
Sebring median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
30 of 57
SUN N LAKE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1200% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 3915 EL RADO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$265,000
5273 PEBBLE BEACH DRIVE · same community
3 bd · 2 ba · 1,642 sqft · $161/sqft · 76 DOM
Sold · Apr ’26$300,000
5963 VIRTUDES STREET · same community
4 bd · 2 ba · 1,654 sqft · $181/sqft · 110 DOM
Sold · Jan ’26$294,900
4613 BOSTON STREET · same community
4 bd · 2 ba · 1,713 sqft · $172/sqft · 112 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 3915 EL RADO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3915 EL RADO AVENUE — 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
3915 EL RADO AVENUE FAQs
What would the monthly payment be for 3915 EL RADO AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,289/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 3915 EL RADO AVENUE?+
The most recent tax bill on record (2025) was $874. 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 $324,900, this home is listed about 8% above the Sebring median of $299,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3915 EL RADO AVENUE?+
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
$324,900 runs 1200% above the SEBRING 33872 median.
02Time on market is leverage
196 days on market against a Sebring median of 68 — 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 $344,900, now $324,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AROD PARTNERS REALTY · Sarah Penarete. MLS #O6375041.
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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