4401 MADERIA AVENUE, SEBRING, FL, 33872
Active3 days on marketListed Aug 5, 2026MLS #O6430854
About this home
4401 MADERIA AVENUE
Welcome to this charming 3-bedroom, 2-bathroom home in Sun N Lake, Sebring. This beautifully updated residence features 1,790 square feet of heated living space with wood-look laminate flooring, a renovated kitchen with stainless steel appliances, stone countertops, and solid wood cabinetry. The spacious master bedroom includes a walk-in closet, and the primary bathroom showcases modern finishes with marble tile work. The open floor plan seamlessly connects the living room, dining room, and kitchen, flooded with natural light from sliding glass doors and large windows. Central air conditioning and heating ensure year-round comfort. Outside, the solid block and stucco construction with shingled roof provides durability. The attached 2-car garage features automatic door openers, a newly poured concrete driveway, screened patio, and manicured landscaping on a generous 10,000-square-foot lot. Bonus feature: Solar panels are fully paid off, providing immediate energy savings and long-term value. Located in peaceful Sun N Lake with easy US-27 access, this property is close to schools, shopping, and services. No annual HOA fees, Flood Zone X, vacant and ready for immediate occupancy. Multiple financing options available. Contact your agent to schedule your private showing. Located in peaceful Sun N Lake with easy US-27 access, this property is close to schools, shopping, and services. No annual HOA fees, Flood Zone X, vacant and ready for immediate occupancy. Multiple financing options available. Contact your agent to schedule your private showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,790
Sqft
0.23 ac
Lot size
2
Garage
1977
Year built
One
Levels
$183
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.
$2,453 /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
$2,453/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
+17.1%
$/sqft vs SUN N LAKE
$183 vs $195
Days on market
3 vs 77 typical
Where $183/sqft sits among the 54 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 54
SUN N LAKE have cut their price
Median sold price, Sebring, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1212% above the SEBRING 33872 median. See the full Sebring market guide →
Paper trail
This home's history
Reality check
What actually sold near 4401 MADERIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$235,000
4027 BIANCA STREET · same community
3 bd · 2 ba · 1,796 sqft · $131/sqft · 16 DOM
Sold · Mar ’26$292,900
8736 CAPILLA STREET · same community
4 bd · 2 ba · 1,759 sqft · $167/sqft · 104 DOM
Sold · Dec ’25$250,000
4408 NAVARRE AVENUE · same community
4 bd · 2 ba · 1,828 sqft · $137/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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4401 MADERIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4401 MADERIA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4401 MADERIA AVENUE FAQs
What would the monthly payment be for 4401 MADERIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,453/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 4401 MADERIA AVENUE?+
The most recent tax bill on record (2025) was $2,611. 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 $327,900, this home is listed about 9% above the Sebring median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4401 MADERIA AVENUE?+
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
$327,900 runs 1212% above the SEBRING 33872 median.
02Fresh on the market
Only 3 days on market in a Sebring market that averages 77 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Angelica Diaz Bajo. MLS #O6430854.
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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