4524 HARDER AVENUE, SEBRING, FL, 33875
Active30 days on marketListed Jun 24, 2026MLS #P4939148
Come see it
Upcoming open house
Sat, Jul 25
1:00 PM – 3:00 PM
About this home
4524 HARDER AVENUE
Welcome to Lake Haven Estates — No HOA! This charming 3-bedroom, 2-bathroom home with a 2-car garage is nestled on a private lot in one of Sebring's most sought-after neighborhoods. Built in 1990, the home offers a comfortable split floor plan that provides privacy for family and guests alike. Inside, laminate flooring flows throughout the entire home, creating a clean, cohesive look. The galley kitchen features a breakfast bar — perfect for casual meals or morning coffee. A dedicated laundry room adds everyday convenience. The primary suite offers a private bath, while two additional bedrooms share a second full bath. Step through the enclosed porch and out onto the patio, where you'll enjoy peaceful views of your private backyard — a serene retreat for relaxing or entertaining in the warm Florida air. Located in Lake Haven Estates with no HOA fees or special district assessments, you're just minutes from shopping, dining, Lake Jackson, the YMCA, golf courses, and Highlands Hammock State Park. Easy access to US-27 puts everything Sebring has to offer right at your doorstep.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,718
Sqft
0.24 ac
Lot size
2
Garage
1990
Year built
One
Levels
$172
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.
$2,246 /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
$2,246/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
+6.6%
$/sqft vs Sebring actives
$172 vs $188
Days on market
30 vs 60 typical
Where $172/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 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)
91 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 1080% above the SEBRING 33875 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 4524 HARDER AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$285,000
3818 MEDINA WAY
4 bd · 2 ba · 1,794 sqft · $159/sqft · 222 DOM
Sold · Jun ’26$285,000
3818 Medina Way, Sebring FL 33875
4 bd · 2 ba · 1,794 sqft · $159/sqft · 222 DOM
Sold · Mar ’26$282,000
4031 Santa Barbara, Sebring FL 33875
3 bd · 2 ba · 1,796 sqft · $157/sqft · 18 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 4524 HARDER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4524 HARDER 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
4524 HARDER AVENUE FAQs
What would the monthly payment be for 4524 HARDER AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,246/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 4524 HARDER AVENUE?+
The most recent tax bill on record (2025) was $2,622. 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 $295,000, 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 4524 HARDER AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Tania Bobe. MLS #P4939148.
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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