CENTURY 21 Edge
$229,0002 bd2 ba1,281 sqft$179 /sqft≈$1,946 /mo all-in ↓

2209 HIDDEN CREEK CIRCLE, SEBRING, FL, 33870

Active40 days on marketListed Sep 1, 2026MLS #OM731349

1/2 DuplexHIDDEN CRK VILLAS

About this home

2209 HIDDEN CREEK CIRCLE

Welcome to the HIGHLY DESIRED 55+ community of Hidden Creek Villas in Sebring, FL! This villa masters first impressions with superior curb appeal boasting a beautifully landscaped yard and attractive brick facing exterior! Upon entering the home, you will continue to be impressed with the 11' high vaulted ceilings, spotlessly clean interior, and welcoming ambiance of the home! Two large bedrooms on a split floor plan, two well-appointed full bathrooms, a centrally located well-appointed kitchen, and generous living square footage will allow for an enjoyable, easygoing Florida lifestyle! This unit also offers a wonderful screened-in front porch, a 10’x16’ Florida room under air, AND an adjacent concrete patio at the back of the home! You will truly enjoy the centrally located light & bright clean kitchen showcasing plenty of solid surface counterspace, stainless steel appliances, spotlessly clean wood cabinets, filtered water spigot near the refrigerator, and an over the sink view of the back yard! The central main living area offers plenty of space for flexibility with furniture placement and is light & bright thanks to the large front window showcasing a pretty view of the front yard! This unit offers a separate walk-in closet/pantry adjacent to the living and dining rooms. Carpet, tile and manufactured wood laminate flooring offered throughout the home. The primary suite features a bay window, a walk-in closet, and shower with sliding glass doors in the attached bathroom. The 2nd bedroom and bathroom are on the opposite side of the home to allow privacy for your visiting guests. Spacious 1 car garage provides for covered parking outside of the Florida weather and a designated space for the washer, dryer, and water heater. City of Sebring water and Septic Tank utilities. Electric water heater 2004, HVAC System updated in 2018, new roof installed in 2022. The highly sought-after community of Hidden Creek Villas allows pets (up to 2 pets, 25 lbs. per pet). The monthly HOA fee of only $160 covers the maintenance of the common areas, lawn, sprinkler system maintenance, and access to the community's heated pool, workout room, & clubhouse. Conveniently located within minutes of retail shopping, grocery stores, restaurants, hospitals, and direct access to Lakeview Drive less than 2 miles away from the public boat ramp to Lake Jackson!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,281

Sqft

0.14 ac

Lot size

1

Garage

1987

Year built

One

Levels

$179

Per sqft

55+ community

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Water Filtration System
InteriorBuilt-in Features · Ceiling Fan(s) · Solid Surface Counters · Vaulted Ceiling(s) · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingGarage Door Opener
ExteriorIrrigation System

Community & fees

HOA fee$160/mo
Taxes (2025)$2,119/yr
PetsBreed Restrictions, Number Limit
CommunityBuyer Approval Required · Clubhouse

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Water Connected
WaterPublic

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.

$1,946 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,348
FHA mortgage insurance (est.)$101
Property tax — 2025 actual bill$177
HOA fee — from the listing$160
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,015Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,015
Interest rate6.00%
Loan term

Estimated payment

$1,946/mo

Principal & interest$1,348
FHA mortgage insurance (est.)$101
Property taxes (actual bill)$177
HOA / condo fee$160
Est. insurance$160

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.

List $229K
$181KedgeAI estimate $208,974 · range $188K–$230K$239K

vs edgeAI estimate

+9.6%

$/sqft vs Sebring actives

$179 vs $181

Days on market

40 vs 86 typical

Where $179/sqft sits among the 175 Sebring actives

30
32
36 · this home
41
22
14
$125–147$147–169$169–191$191–213$213–234$234+

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 33870 — neighborhood snapshot

Population

25,067

Median age

52

Median income

$50,606

Median home value

$154,300

Avg household

2.18

Households w/ children

2,349

For the school run

Highlands County School District

ElementaryFred Wild Elementary School★★★★★
HighSebring High School★★★★★
MiddleSebring Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sebring market

Seller’s marketLeans buyer — 7.4 months of inventoryBuyer’s market

$265K → $274K

Sebring median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

82 of 175

Sebring actives have cut their price

Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 35% above the SEBRING 33870 median. See the full Sebring market guide →

Paper trail

This home's history

Sep 1, 2026Listed at $229,000 · 40 days on market since
1987Built · HIDDEN CRK VILLAS

Reality check

What actually sold near 2209 HIDDEN CREEK CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2500 HIDDEN CREEK CIRCLESold · Nov ’25

$226,500

2500 HIDDEN CREEK CIRCLE

2 bd · 2 ba · 1,281 sqft · $177/sqft · 0 DOM

1321 SUNSET DRIVESold · Dec ’25

$244,000

1321 SUNSET DRIVE

3 bd · 1 ba · 1,308 sqft · $187/sqft · 3 DOM

3726 SUNBIRD CIRCLESold · Oct ’25

$200,000

3726 SUNBIRD CIRCLE

2 bd · 2 ba · 1,337 sqft · $150/sqft · 38 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 2209 HIDDEN CREEK CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2209 HIDDEN CREEK CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2209 HIDDEN CREEK CIRCLE FAQs

What would the monthly payment be for 2209 HIDDEN CREEK CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,946/mo — principal and interest, the actual property-tax bill, the $160/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 2209 HIDDEN CREEK CIRCLE?+

The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2209 HIDDEN CREEK CIRCLE?+

The most recent tax bill on record (2025) was $2,119. 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 2209 HIDDEN CREEK CIRCLE?+

The listing reports pets: Breed Restrictions, 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 $229,000, this home is listed about 22% below the Sebring median of $294,385. The market section on this page shows how the area is trending.

Which schools are assigned to 2209 HIDDEN CREEK CIRCLE?+

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.

Listing courtesy of RE/MAX REALTY PLUS · Emily Jones. MLS #OM731349.

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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