623 RACOON LANE, LORIDA, FL, 33857
Active251 days on marketListed Nov 14, 2025MLS #TB8448106
About this home
623 RACOON LANE
PRICE IMPROVEMENT! Escape to a slice of Florida paradise with this rare lakefront gem on Lake Istokpoga! Nestled in the serene community of Lorida, just outside Sebring, this charming home offers a peaceful retreat off the beaten path. Imagine waking up to breathtaking canal views, vibrant sunsets, and the gentle sounds of nature—all on a spacious ½ acre lot that provides endless room for family fun, outdoor adventures, and creating lifelong memories. This beloved family haven, cherished for generations as a seasonal residence, combines nostalgia and pride of ownership. It's been meticulously maintained, blending timeless warmth with modern updates to ensure it's ready for your next chapter. Fully furnished and thoughtfully designed, the 3-bedroom, 2-bathroom layout features a split floor plan for privacy, an open kitchen/dining/living room combo ideal for gathering loved ones, and an elegant entryway crowned by a gorgeous chandelier that welcomes you into this lakeside sanctuary. The master suite is a true retreat, boasting a huge bedroom, tiled shower, granite counter, separate powder room with sink, and a unique through-closet for abundant storage. Two additional spacious bedrooms share an updated full bathroom with sleek tile and granite finishes. Cozy up on cooler evenings by the wood-burning fireplace, or step out to the huge extended and covered lanai—your front-row seat to mesmerizing canal views and unforgettable sunsets. Backing directly to the canal, you're just minutes from the open waters of Lake Istokpoga, with prime lake access for boating, fishing, and endless water adventures. Grab the included fishing poles and launch from your private boat dock, freshly updated with a new roof and composite decking in 2024, plus convenient water and electric hookups. The massive yard offers plenty of space for barbecues, games, or simply soaking in the peaceful surroundings. Recent upgrades ensure worry-free living: roof and water heater replaced in 2019, irrigation pump in 2024, a 2-car garage brimming with storage, and an additional 2-car carport. This isn't just a home—it's a legacy of joy, laughter, and connection to nature. Whether you're seeking a full-time residence, vacation escape, or family gathering spot, this property invites you to make memories that last a lifetime.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,644
Sqft
0.49 ac
Lot size
2
Garage
1979
Year built
One
Levels
$267
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.
$3,284 /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
$3,284/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.
Where it sits
Inside Lorida
Get to know Lorida. See the full Lorida guide →
LORIDA 33857 — neighborhood snapshot
Population
935
Median age
64.5
Median income
$47,083
Median home value
$132,400
Avg household
1.96
Households w/ children
37%
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lorida market
$160K → $350K
Lorida median sold, yr/yr
87.8%
Sale-to-list ratio (12 mo)
Median sold price, Lorida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 174% above the LORIDA 33857 median. See the full Lorida market guide →
Paper trail
This home's history
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 623 RACOON LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 623 RACOON LANE — 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
623 RACOON LANE FAQs
What would the monthly payment be for 623 RACOON LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,284/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 623 RACOON LANE?+
The most recent tax bill on record (2024) was $4,142. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lorida?+
At $439,000, this home is listed about 2% below the Lorida median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 623 RACOON LANE?+
Fred Wild 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
Four things that matter here
01Positioned at the premium end
$439,000 runs 174% above the LORIDA 33857 median — but at 1,644 sqft it's also 45% larger than the typical Lorida listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
251 days on market against a Lorida median of 7 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $449,000, now $439,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of BLUE PEAK REALTY LLC · Matt Pereira. MLS #TB8448106.
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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