432 MIRADOR DRIVE, SEBRING, FL, 33876
Active107 days on marketListed Apr 8, 2026MLS #S5147364
About this home
432 MIRADOR DRIVE
Build your dream home on this 0.23-acre lot in the desirable Spring Lake community in Sebring. This residential lot offers a peaceful setting with electricity available, and requires well and septic. Conveniently located near golf courses, lakes, and major roads for easy access. No time restriction to build?great opportunity for investment or future use.
Facts & features
The home at a glance
0.55 ac
Lot size
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.
$483 /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
$483/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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,790/mo median
Live Sebring rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Spring Lake
Spring Lake is a short-term-rental community. See the full guide →
SEBRING 33876 — neighborhood snapshot
Population
7,378
Median age
54.4
Median income
$55,490
Median home value
$161,500
Avg household
2.65
Households w/ children
451
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 30% below the SEBRING 33876 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 432 MIRADOR DRIVE
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$290,000
8816 CASTILE ROAD · same community
3 bd · 2 ba · 1,520 sqft · $191/sqft · 1 DOM
Sold · Dec ’25$90,000
239 HICKORY RIDGE DRIVE
2 bd · 2 ba · 1,344 sqft · $67/sqft · 20 DOM
Sold · Mar ’26$345,000
352 ASHBOURNE DRIVE
3 bd · 2.5 ba · 1,359 sqft · $254/sqft · 97 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 432 MIRADOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 432 MIRADOR 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
432 MIRADOR DRIVE FAQs
What would the monthly payment be for 432 MIRADOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $483/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 432 MIRADOR DRIVE?+
The most recent tax bill on record (2025) was $832. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 432 MIRADOR DRIVE be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
How does the price compare to other homes in Sebring?+
At $40,000, this home is listed about 86% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 432 MIRADOR 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.
Keep looking
Similar homes nearby
Listing courtesy of THE FIRM RE · Ghazal Asfari. MLS #S5147364.
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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