345 MATLO AVENUE, SEBRING, FL, 33870
Active3 days on marketListed Oct 9, 2026MLS #P4940097
About this home
345 MATLO AVENUE
Bring your vision and explore the possibilities with this vacant residential lot in the heart of Sebring! Offering approximately 0.17 acres, this property presents an opportunity to build your future home in an established neighborhood. The lot features paved road access and a convenient location surrounded by existing homes. Enjoy easy access to downtown Sebring, local shopping, restaurants, schools, parks, and the beautiful lakes that make this area such a desirable place to call home. Whether you're looking to build a primary residence, create a seasonal Florida getaway, or add to your real estate investment portfolio, this property offers plenty of potential. Take advantage of this opportunity to own a piece of sunny Central Florida and bring your plans to life! Buyer to verify zoning, utilities, building requirements, and permitted uses with the appropriate local authorities.
Facts & features
The home at a glance
0.17 ac
Lot size
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.
$318 /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
$318/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 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
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)
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 88% below the SEBRING 33870 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 345 MATLO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$130,000
1004 BOOKER AVENUE
3 bd · 1.5 ba · 1,011 sqft · $129/sqft · 129 DOM
Sold · Aug ’26$145,000
1717 STATE ROAD 17 N
2 bd · 2 ba · 1,044 sqft · $139/sqft · 72 DOM
Sold · Mar ’26$135,000
1011 LUCERNE DRIVE
2 bd · 2 ba · 1,104 sqft · $122/sqft · 1 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 345 MATLO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 345 MATLO AVENUE — 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
345 MATLO AVENUE FAQs
What would the monthly payment be for 345 MATLO AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $318/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 345 MATLO AVENUE?+
The most recent tax bill on record (2025) was $225. 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 Sebring?+
At $22,000, this home is listed about 93% below the Sebring median of $294,385. The market section on this page shows how the area is trending.
Which schools are assigned to 345 MATLO AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Tania Bobe. MLS #P4940097.
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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