5245 PEBBLE BEACH DRIVE, SEBRING, FL, 33872
Active115 days on marketListed Apr 13, 2026MLS #O6398526
Come see it
Upcoming open house
Sat, Aug 8
10:00 AM – 2:00 PM
About this home
5245 PEBBLE BEACH DRIVE
One or more photo(s) has been virtually staged. Brand-new duplex in Sun ’n Lake of Sebring with strong income-producing potential. This property offers two spacious 3-bedroom, 2-bathroom units, each with its own garage, open-concept living area, modern finishes, quartz countertops, white shaker cabinets, stainless steel appliances, and 10-foot ceilings. Designed with flexibility in mind, this duplex can be used as a long-term rental investment, an owner-occupant opportunity, or a portfolio addition with two separate rentable units under one roof. Buyers may choose to lease both units or occupy one side while generating rental income from the other, subject to applicable financing and rental guidelines. Located in a desirable Sebring community with golf course views, this new construction duplex offers low-maintenance ownership, modern appeal for tenants, and long-term value. With two separate living spaces, private garages, and quality finishes throughout, the property is well-positioned for buyers seeking both lifestyle and investment potential. The price has been reduced and seller concessions are available with an acceptable offer. Concessions may be used toward buyer closing costs, rate buy-down, or other allowable buyer expenses, subject to lender approval and contract terms. New construction duplex opportunities with this combination of location, layout, rental potential, golf course views, and seller concessions are limited. Schedule your private showing today.
Facts & features
The home at a glance
6
Bedrooms
2,804
Sqft
0.35 ac
Lot size
2
Garage
2026
Year built
$184
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.
$3,689 /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
$3,689/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
$184 vs $195
Days on market
115 vs 72 typical
Where $184/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
$265K → $303K
Sebring median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
31 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 1960% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 5245 PEBBLE BEACH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$422,961
4809 SAN LORENZO DRIVE · same community
4 bd · 3 ba · 2,573 sqft · $164/sqft · 0 DOM
Sold · Dec ’25$489,900
5060 SAN IGNACIO DRIVE · same community
4 bd · 3 ba · 2,478 sqft · $198/sqft · 0 DOM
Sold · Mar ’26$380,000
5614 ANGELO CIRCLE · same community
3 bd · 2.5 ba · 2,391 sqft · $159/sqft · 77 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5245 PEBBLE BEACH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5245 PEBBLE BEACH DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5245 PEBBLE BEACH DRIVE FAQs
What would the monthly payment be for 5245 PEBBLE BEACH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,689/mo — principal and interest, the actual property-tax bill, the $140/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 5245 PEBBLE BEACH DRIVE?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5245 PEBBLE BEACH DRIVE?+
The most recent tax bill on record (2025) was $1,554. 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 5245 PEBBLE BEACH 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 $515,000, this home is listed about 72% above the Sebring median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5245 PEBBLE BEACH 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
Three things that matter here
01Positioned at the premium end
$515,000 runs 1960% above the SEBRING 33872 median — but at 2,804 sqft it's also nearly twice the size of the typical Sebring listing.
02Strong 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.
03The price has already moved
Listed at $540,000, now $515,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VJMAS REALTY · Victor Arroyo Lopez. MLS #O6398526.
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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