108 OXBOW DRIVE, SEBRING, FL, 33876
Active51 days on marketListed May 30, 2026MLS #S5149981
About this home
108 OXBOW DRIVE
EXCELLENT OPPORTUNITY! NEW PRICE! Brand-New Construction in the desirable Spring Lake community! Nestled among beautiful mature pines and surrounded by Florida’s natural landscape, this thoughtfully designed 3-bedroom, 2-bath home offers the perfect combination of modern comfort and peaceful surroundings. The open-concept floor plan features a split-bedroom layout, spacious primary suite with walk-in closet, indoor laundry room, and an attached 2-car garage. The modern kitchen overlooks the main living area, creating a bright and functional space for everyday living and entertaining. Enjoy relaxing on the covered lanai while taking in the serene setting and natural beauty that make Spring Lake so desirable. Conveniently located near golf courses, shopping, dining, medical facilities, and Sebring’s beautiful lakes. Low HOA fee of only $50 per year. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,231
Sqft
0.34 ac
Lot size
2
Garage
2026
Year built
One
Levels
$215
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 and the real association fee — not generic estimates.
$1,910 /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
$1,910/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 Sebring actives
$215 vs $188
Days on market
51 vs 60 typical
Where $215/sqft sits among the 205 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.
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.
The Orlando short-term market
▼ Softening50%
Occupancy
▼ 25% yr/yr
$252
Avg nightly rate
▲ 17% yr/yr
$29K/yr
Revenue per listing
$125
RevPAR
53 days
Booking lead time
4.7 nights
Avg stay
4
Typical min nights
4,364
Active rentals
▲ 10% supply
Seasonality — monthly occupancy
Peaks at 57% in Feb · bottoms at 39% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Orlando — the projection above is specific to this home’s size.
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)
88 of 205
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 350% above the SEBRING 33876 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 108 OXBOW DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$315,000
2724 DUANE PALMER BOULEVARD · same community
3 bd · 2 ba · 1,460 sqft · $216/sqft · 92 DOM
Sold · Apr ’26$310,000
5528 THUNDER RD · same community
3 bd · 2 ba · 1,643 sqft · $189/sqft · 15 DOM
Sold · Jan ’26$287,500
201 DELLS DRIVE · same community
3 bd · 2 ba · 1,936 sqft · $149/sqft · 7 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 108 OXBOW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 OXBOW 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
108 OXBOW DRIVE FAQs
What would the monthly payment be for 108 OXBOW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,910/mo — principal and interest, the actual property-tax bill, the $4/mo association fee 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.
How much are the HOA fees at 108 OXBOW DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 108 OXBOW DRIVE?+
The most recent tax bill on record (2025) was $822. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 108 OXBOW 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.
Are pets allowed at 108 OXBOW DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $264,999, this home is listed about 5% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 108 OXBOW 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.
The brief
Three things that matter here
01Positioned at the premium end
$264,999 runs 350% above the SEBRING 33876 median.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $274,900, now $264,999 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Carolina Calosso Ressel. MLS #S5149981.
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.
Never miss a listing
New Sebring homes, in your inbox
Like 108 OXBOW DRIVE but not quite? A daily digest of every new listing in Sebring — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →