2608 PINE NEEDLE DRIVE, SEBRING, FL, 33875
Active44 days on marketListed Jun 5, 2026MLS #TB8515243
About this home
2608 PINE NEEDLE DRIVE
BEAUTIFUL LAKEFRONT PROPERTY!!! Priced to sell!! Start your day with a cup of coffee and a stunning sunrise overlooking LAKE JOSEPHINE with 115' of lake frontage!!! This beautifully UPDATED 3-bedroom, 2-bath home offers NEW landscaping and abundant NATURAL LIGHT, with large windows and French doors showcasing LAKE VIEWS from every corner. The home has an OPEN floor plan allowing you to enjoy the picturesque lake views from nearly every angle. The VAULTED ceilings and luxury vinyl plank flooring add an airy elegance to the space. At the heart of the home is a gourmet kitchen equipped with NEWER FRIGIDAIRE STAINLESS-STEEL appliances, including a sleek counter-depth refrigerator and top of the line range which is equipped with an air fryer. With GRANITE countertops, two Lazy Susans, a breakfast bar, ample cabinet and counter space, and a pantry, it’s a chef’s dream come true. The spacious primary suite offers its own retreat with French doors that lead out to the lake, large walk-in closets, and an en-suite bathroom complete with double sinks, a separate shower, and an oversized closet. A laundry room large enough to envy features a NEWER WASHER AND DRYER, a laundry sink, and plenty of storage. This property comes with over $100,000 in home improvements, including a tankless water heater, new irrigation pumps and tank, Trane AC and a newly screened front and rear porch. The lakefront has been recently cleared for unobstructed views, and the dock and pool house boast newly installed composite wood decking, complete with dock lights, electricity, and a BRAND-NEW powered boat lift. The boat house offers two boat slips, one wet and one dry, while the backyard is fully fenced for added privacy. A new garden shed provides extra storage space for all your outdoor needs. DOUBLE ENTRY GARAGE for easy access to the lake. Situated on a peaceful, private road, yet just minutes from shopping, dining, the Sebring International Speedway, and stunning beaches. Don’t let this opportunity slip away!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,898
Sqft
0.24 ac
Lot size
3
Garage
2006
Year built
One
Levels
$274
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.
$3,958 /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
$3,958/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
$274 vs $188
Days on market
44 vs 60 typical
Where $274/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.
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)
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 1757% above the SEBRING 33875 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 2608 PINE NEEDLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$425,000
9534 WISPYWOODS DRIVE
4 bd · 3 ba · 2,238 sqft · $190/sqft · 41 DOM
Sold · Apr ’26$620,000
9620 PAYNE ROAD
3 bd · 2.5 ba · 3,010 sqft · $206/sqft · 96 DOM
Sold · Jun ’26$735,000
9680 PAYNE ROAD
4 bd · 3.5 ba · 3,441 sqft · $214/sqft · 41 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 2608 PINE NEEDLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2608 PINE NEEDLE 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
2608 PINE NEEDLE DRIVE FAQs
What would the monthly payment be for 2608 PINE NEEDLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,958/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 2608 PINE NEEDLE DRIVE?+
The most recent tax bill on record (2025) was $6,079. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2608 PINE NEEDLE DRIVE?+
The listing reports pets: Yes. 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 $519,995, this home is listed about 86% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2608 PINE NEEDLE 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
$519,995 runs 1757% above the SEBRING 33875 median — but at 1,898 sqft it's also 26% larger than the typical Sebring listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $525,000, now $519,995 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS EXCLUSIVE PROPERTIES · Hector Contreras. MLS #TB8515243.
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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