108 OAK KNOLLS CIRCLE, SEBRING, FL, 33876
Active1 days on marketListed Aug 26, 2026MLS #O6436850
About this home
108 OAK KNOLLS CIRCLE
Welcome to 108 Oak Knolls Cir, a delightful residence in Sebring, FL 33876. This charming house is nestled in a serene location, offering a peaceful retreat from the hustle and bustle. The exterior boasts a classic design, complemented by lush landscaping that enhances the property's curb appeal. appropriate for those who appreciate a blend of comfort and style, this home provides a warm and inviting atmosphere. Inside, you'll find a thoughtfully designed layout that ensures ease of living, with spaces that flow seamlessly from one to the next. Whether you're looking to relax or entertain, this home accords the superb setting. Enjoy the convenience of living in a well-established community with easy access to local amenities. This property is a wonderful opportunity to own a piece of Sebring's charm. Don't miss the chance to explore all that this home has to accord and make it your own sanctuary.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,991
Sqft
0.34 ac
Lot size
2
Garage
2018
Year built
One
Levels
$180
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.
$2,739 /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
$2,739/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
$180 vs $184
Days on market
1 vs 57 typical
Where $180/sqft sits among the 166 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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,795/mo median
Live Sebring rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Spring Lake
Spring Lake is a short-term-rental community. See the full 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)
86 of 166
Sebring actives have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 530% above the SEBRING 33876 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 108 OAK KNOLLS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$279,000
705 GLEN MAR COURT · same community
3 bd · 2 ba · 1,876 sqft · $149/sqft · 124 DOM
Sold · Nov ’25$300,000
341 GLEN MAR CIRCLE · same community
3 bd · 2 ba · 1,580 sqft · $190/sqft · 87 DOM
Sold · Jan ’26$287,500
201 DELLS DRIVE
3 bd · 2 ba · 1,936 sqft · $149/sqft · 7 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 108 OAK KNOLLS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 OAK KNOLLS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
108 OAK KNOLLS CIRCLE FAQs
What would the monthly payment be for 108 OAK KNOLLS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,739/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 108 OAK KNOLLS CIRCLE?+
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 108 OAK KNOLLS CIRCLE?+
The most recent tax bill on record (2025) was $3,628. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 108 OAK KNOLLS CIRCLE be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 108 OAK KNOLLS CIRCLE?+
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 $359,000, this home is listed about 24% above the Sebring median of $289,450. The market section on this page shows how the area is trending.
Which schools are assigned to 108 OAK KNOLLS CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$359,000 runs 530% above the SEBRING 33876 median — but at 1,991 sqft it's also 32% larger than the typical Sebring listing.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Only 1 day on market in a Sebring market that averages 57 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6436850.
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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