4529 MERCADO DRIVE, SEBRING, FL, 33872
Active177 days on marketListed Jan 28, 2026MLS #P4937661
About this home
4529 MERCADO DRIVE
ALL AGES WELCOME! GROUND FLOOR UNIT – NO STAIRS! Welcome to this beautifully updated 2 BR, 2 BA townhome offering effortless, single-level living and what is truly one of the BEST backyards in the community. Located in Sebring, Florida, this 2 bedroom / 2 bathroom home features 980 sq ft of base living area, complemented by a finished open porch, an expansive finished screened lanai overlooking the pool view, and finished utility/storage space—perfect for both everyday living and entertaining. Step outside to enjoy real grass, a private gated and fully fenced backyard, and a peaceful lanai setting that feels more like a private home than a typical townhome. Inside, the home offers a bright, open living space with comfortable flow; tastefully renovated with NEW flooring, updated functional kitchen with NEW refrigerator. Major mechanical updates include an installed 2.5-ton A/C system installed 2020 for reliable comfort. This solid concrete block unit is on the ground-floor and has no stairs, making it ideal for all ages and lifestyles. Parking is easy with two assigned parking spaces per unit conveniently located near the front door. This intimate HOA consists of just six townhomes, offering a quiet, low-density setting while still providing excellent value. Monthly dues of $600 (updated and inclusive of prior special assessment adjustments) cover lawn care, pool care, exterior insurance and maintenance, and termite treatment—owners only pay their individual utilities. No minimum lease requirement makes this an excellent option for savvy investors, snowbirds, or even short term leasing. Pets are welcome (one pet per unit, no weight limit) based on temperament and community harmony. Situated in the highly sought-after Sun 'N Lakes community in Sebring, you’ll enjoy convenient access to shopping, dining, parks, golf courses, and major roadways; the CDD offers convenient access to two stunning 18-hole golf courses and a beautiful clubhouse. The active community also features pickleball and tennis courts, along with a dog-friendly park, blending relaxed Florida living with everyday convenience. Don’t miss this opportunity...ground-floor townhomes with this backyard, location, and leasing flexibility are incredibly rare! DO NOT WAIT, IT WILL NOT LAST LONG!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
980
Sqft
0.04 ac
Lot size
1981
Year built
One
Levels
$149
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.
$1,800 /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
$1,800/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
$149 vs $188
Days on market
177 vs 60 typical
Where $149/sqft sits among the 206 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 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)
90 of 206
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 484% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 4529 MERCADO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$132,000
4810 LEUCADENDRA DRIVE
2 bd · 2 ba · 952 sqft · $139/sqft · 87 DOM
Sold · Aug ’25$165,000
3804 PERUGIA AVENUE
2 bd · 2 ba · 1,015 sqft · $163/sqft · 39 DOM
Sold · Oct ’25$137,000
6000 MATANZAS DRIVE UNIT 6002
2 bd · 2 ba · 1,122 sqft · $122/sqft · 67 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 4529 MERCADO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4529 MERCADO DRIVE — 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
4529 MERCADO DRIVE FAQs
What would the monthly payment be for 4529 MERCADO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,800/mo — principal and interest, the actual property-tax bill, the $600/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 4529 MERCADO DRIVE?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4529 MERCADO DRIVE?+
The most recent tax bill on record (2025) was $1,394. 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 4529 MERCADO DRIVE?+
The listing reports pets: Number Limit. 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 $145,900, this home is listed about 48% below the Sebring median of $279,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4529 MERCADO DRIVE?+
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
$145,900 runs 484% above the SEBRING 33872 median.
02City & Garden & Pool views
The city and garden and pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
177 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.
05Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of HUT REALTY, LLC · Daniel Hut. MLS #P4937661.
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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