, SEBRING, FL, 33872
Active245 days on marketListed Nov 12, 2025MLS #F10536485
About this home
Experience refined golf course living in this brand-new 4bedroom, 4bath home located in the highly sought after Sun 'N Lake community. Positioned on premium golf frontage with permanent open golf views and no rear neighbors, this home offers privacy, tranquility, and modern luxury. The open concept design features soaring 11ft cathedral ceilings, luxury vinyl flooring, and expansive living spaces filled with natural light. The designer kitchen showcases sleek cabinetry, waterfall island, farmhouse sink, stainless steel appliances, and designer backsplash. The spacious primary suite includes dual walk-in closets, quartz vanities, and soaking tub. Additional features include a covered golf view patio, oversized 3car garage and and large backyard with room for a pool.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,203
Sqft
0.34 ac
Lot size
3
Garage
2025
Year built
1
Levels
$231
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.
$3,438 /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
$3,438/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 Sun N Lake
$231 vs $195
Days on market
245 vs 60 typical
Where $231/sqft sits among the 56 homes for sale in Sun N Lake
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 33872 — neighborhood snapshot
Population
13,302
Median age
61.5
Median income
$68,086
Median home value
$193,900
Avg household
2.14
Households w/ children
1,049
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)
20 of 56
Sun N Lake have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 221% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$399,900
6809 COCONUT GROVE DRIVE · same community
4 bd · 2 ba · 2,225 sqft · $180/sqft · 197 DOM
Sold · Feb ’26$419,900
4632 SAN LORENZO DRIVE · same community
4 bd · 2 ba · 2,225 sqft · $189/sqft · 150 DOM
Sold · Jan ’26$495,000
4962 MYRTLE BEACH DRIVE · same community
3 bd · 3 ba · 2,169 sqft · $228/sqft · 95 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,438/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 ?+
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 ?+
The most recent tax bill on record (2024) was $565. 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 ?+
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 $509,900, this home is listed about 82% above the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Hill-Gustat Middle School (middle), Sun 'n Lake Elementary School (elementary), Avon Park High School (high) — Highlands County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$509,900 runs 221% above the SEBRING 33872 median — but at 2,203 sqft it's also 46% larger than the typical Sebring listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
245 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Hill-Gustat Middle School, Sun 'n Lake Elementary School, Avon Park High School — Hill-Gustat Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $579,900, now $509,900 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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