3515 LITTLE LAKE DRIVE, SEBRING, FL, 33876
Active42 days on marketListed Aug 31, 2026MLS #A4704055
About this home
3515 LITTLE LAKE DRIVE
You just found one of the best properties on Lake Istokpoga, one of the top trophy bass fishing lakes in Florida. Pull away from your private dock and boat lift in the early morning for a plentiful fishing trip, return to enjoy the pool in the afternoons, and experience the evening sunsets from your back porch. This home has been meticulously maintained by its full-time owners for the last 13 years and features three bedrooms, 3 full bathrooms, a bonus room with bar and views of the pool and canal, a heated saltwater pool, huge patio area for relaxing or entertaining, and a boat house and dock for all your lake toys. Here are some of the important updates and features of the home: Mini Split AC in garage and in Bonus Room***Double Paned Windows***Culligan Water System***Pool is southerly facing, saltwater, and heated***Wood Burning Fireplace***Boat House with Lift***30 foot dock***AC 2024***Roof 2016***Water Heater 2025***Pool Cage Refurbished 2024***Seawall Replaced 2019***Driveway Poured 2024***Pavers Cleaned and Sealed 2026***Private Community Boat Ramp. HOA is voluntary. This is a move-in ready home not a "project". When the lake is at "winter pool" this lot does not run dry like many other canal properties. From dock to open lake is a 2-minute boat ride and opens to a lake that offers a chance at trophy bass and other gamefish. Sebring Golf Course is 5 min away and Sebring Raceway is 10 mins away. Come and experience the quiet serenity this home offers and escape the rat race!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,835
Sqft
0.31 ac
Lot size
2
Garage
1982
Year built
One
Levels
$300
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.
$3,886 /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
$3,886/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.
vs edgeAI estimate
+50.8%
$/sqft vs Sebring actives
$300 vs $181
Days on market
42 vs 88 typical
Where $300/sqft sits among the 176 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 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
$265K → $274K
Sebring median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
83 of 176
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 267% above the SEBRING 33876 median. See the full Sebring 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3515 LITTLE LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3515 LITTLE LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3515 LITTLE LAKE DRIVE FAQs
What would the monthly payment be for 3515 LITTLE LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,886/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 3515 LITTLE LAKE DRIVE?+
The most recent tax bill on record (2025) was $2,934. 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 3515 LITTLE LAKE 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 $550,000, this home is listed about 87% above the Sebring median of $294,770. The market section on this page shows how the area is trending.
Which schools are assigned to 3515 LITTLE LAKE DRIVE?+
Sebring High School (high), Cracker Trail Elementary School (elementary), Sebring Middle School (middle) — Highlands County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Cody Craig. MLS #A4704055.
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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