3906 SANTIAGO STREET, SEBRING, FL, 33872
Active39 days on marketListed Sep 3, 2026MLS #TB8544080
About this home
3906 SANTIAGO STREET
Tired of high electric bills and cookie-cutter layouts? Discover a more comfortable way to live at 3906 Santiago St in Sun ’N Lake of Sebring. This move-in-ready 3-bedroom, 2-bath CBS block home combines vaulted living space, carpet-free flooring, an oversized screened porch, and a fully fenced backyard with owned solar panels and no mandatory HOA fee or CDD assessment. This 3 bedroom, 2 bath CBS block home combines soaring cathedral ceilings and an open, airy great room feel with practical, low-maintenance finishes: tile and laminate flooring throughout (no carpet to maintain), plus an open kitchen with generous prep space. When it is time to unwind, the oversized screened porch opens to a fully fenced backyard—ideal for pets, play, grilling, gardening, or a quiet Florida morning. A standout value feature is the owned solar system, offering energy efficiency potential and lower utility cost potential. Call to learn about transferring ownership! The property is shown in FEMA Flood Zone X; This inviting home offers peace-of-mind features and potential long-term savings. Sun ’N Lake brings the lifestyle beyond the front door, with two championship golf courses, a 36-hole golf club, pool, fitness and racquet facilities, pickleball, tennis, clubhouse dining, and year-round recreation nearby. Amenity availability, fees, memberships, and access are subject to applicable rules. Offered at $269,900. Come see the volume, outdoor space, and Sun ’N Lake lifestyle in person. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,652
Sqft
0.23 ac
Lot size
2
Garage
1979
Year built
One
Levels
$163
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.
$1,971 /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
$1,971/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
+26.2%
$/sqft vs SUN N LAKE
$163 vs $182
Days on market
39 vs 86 typical
Where $163/sqft sits among the 49 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 → $274K
Sebring median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
30 of 49
SUN N LAKE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 980% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 3906 SANTIAGO STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$315,000
4934 SAN IGNACIO DRIVE · same community
4 bd · 2 ba · 1,698 sqft · $186/sqft · 31 DOM
Sold · Aug ’26$274,326
4631 SAN LORENZO DRIVE · same community
3 bd · 2 ba · 1,586 sqft · $173/sqft · 312 DOM
Sold · Mar ’26$180,000
3900 LORETTO AVENUE · same community
3 bd · 2 ba · 1,549 sqft · $116/sqft · 0 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3906 SANTIAGO STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3906 SANTIAGO STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3906 SANTIAGO STREET FAQs
What would the monthly payment be for 3906 SANTIAGO STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,971/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 3906 SANTIAGO STREET?+
The most recent tax bill on record (2025) was $1,236. 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 3906 SANTIAGO STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $269,900, this home is listed about 8% below the Sebring median of $294,385. The market section on this page shows how the area is trending.
Which schools are assigned to 3906 SANTIAGO STREET?+
Sun 'n Lake Elementary School (elementary), Hill-Gustat Middle School (middle), Avon Park High School (high) — Highlands County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Geraldina Turlington-Santana. MLS #TB8544080.
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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