224 MONTEGO DRIVE, SEBRING, FL, 33870
Active27 days on marketListed Jun 26, 2026MLS #P4939162
About this home
224 MONTEGO DRIVE
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home in the heart of Sebring, where comfort, convenience, and Florida charm come together. Offering over 1,100 square feet of thoughtfully designed living space, this move-in-ready gem is ideal for first-time homebuyers, retirees, seasonal residents, or anyone looking to enjoy a relaxed Florida lifestyle. Step inside the new flooring and be greeted by a bright, open-concept layout filled with natural light. The updated kitchen features abundant cabinetry, elegant stone countertops, and plenty of workspace to inspire your culinary creations. The primary suite offers a peaceful retreat with its own en-suite bathroom and generous closet space. Two additional bedrooms provide versatility for family members, guests, or home office. Stepping outside, you'll discover a backyard oasis. The beautiful, landscaped yard features a variety of fruit and vegetable plants, creating a tranquil setting that feels like a private garden retreat. The utility shed is connected to electricity and water for washer and drier connections. Ideally, situated in a quiet neighborhood, you'll appreciate being just minutes from shopping, dining, medical facilities, and all the conveniences Sebring has to offer. Schedule your private showing, today and discover why this could be the perfect place to call home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,169
Sqft
0.37 ac
Lot size
2007
Year built
One
Levels
$180
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.
$1,629 /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
$1,629/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
−26.2%
$/sqft vs Sebring actives
$180 vs $189
Days on market
27 vs 60 typical
Where $180/sqft sits among the 207 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 →
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)
92 of 207
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the SEBRING 33870 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 224 MONTEGO DRIVE
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$445,000
11702 84TH AVENUE · same community
3 bd · 2 ba · 1,255 sqft · $355/sqft · 18 DOM
Sold · Oct ’25$295,000
11702 84TH AVENUE · same community
3 bd · 2 ba · 1,255 sqft · $235/sqft · 1 DOM
Sold · Jul ’26$470,000
8496 118TH STREET · same community
3 bd · 3 ba · 1,290 sqft · $364/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 224 MONTEGO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 224 MONTEGO 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
224 MONTEGO DRIVE FAQs
What would the monthly payment be for 224 MONTEGO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,629/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 224 MONTEGO DRIVE?+
The most recent tax bill on record (2025) was $1,675. 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 $210,000, this home is listed about 25% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 224 MONTEGO DRIVE?+
Fred Wild 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 KELLER WILLIAMS REALTY SMART 1 · Anthony Medina. MLS #P4939162.
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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