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Overview

6 bd4 ba2,804 sqft2 car garageDuplex
TypeDuplex
HOA$140.46/mo
Built2026
Lot15,300 sqft
Living area2,804 sqft
Price / sqft$184
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SUN N LAKE
Type
Duplex

True monthly carry

HOA
~$140/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Open FloorplanThermostatPrivate Mailbox

5245 Pebble Beach Dr is a 2026-built home in Sun N Lake, Sebring. Inside you'll find 6 bedrooms, 4 bathrooms, and 2,804 square feet of living space. Listed at $515,000 (about $184/sqft), 188 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $140.46 monthly.

From the listing

Virtually Staged. Brand-new duplex in Sun ’n Lake of Sebring with strong income-producing potential. This property offers two spacious 3-bedroom, 2-bathroom units, each with its own garage, open-concept living area, modern finishes, quartz countertops, white shaker cabinets, stainless steel appliances, and 10-foot ceilings. Designed with flexibility in mind, this duplex can be used as a long-term rental investment, an owner-occupant opportunity, or a portfolio addition with two separate rentable units under one roof. Buyers may choose to lease both units or occupy one side while generating rental income from the other, subject to applicable financing and rental guidelines. Located in a desirable Sebring community with golf course views, this new construction duplex offers low-maintenance ownership, modern appeal for tenants, and long-term value. With two separate living spaces, private garages, and quality finishes throughout, the property is well-positioned for buyers seeking both lifestyle and investment potential. The price has been reduced and seller concessions are available with an acceptable offer. Concessions may be used toward buyer closing costs, rate buy-down, or other allowable buyer expenses, subject to lender approval and contract terms. New construction duplex opportunities with this combination of location, layout, rental potential, golf course views, and seller concessions are limited. Schedule your private showing today.

The essentials

Built
2026
Price / sqft
$184
On market
188 days
Annual tax
$1,554
HOA
$140.46/mo
Flood zone
X · Low risk
Lot
15,300 sqft
Type
Duplex

At a glance

Multi-family
Built 2026
2 car garage
0.35 acres
Lot size
2,804 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$3,213/mo
Down payment (20%)
$103,000
Property taxes
$130/mo
HOA
$140.46/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
2026
Lot
15,300 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
188
Open Floorplan
Thermostat
Private Mailbox
Flood Zone X
Annual Tax (2025)
$1,554
Parcel #
C-04-34-28-160-3420-0330

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sun N Lake
County
Highlands
MLS Area
33872 - Sebring
Lot Size
15,300 sqft
HOA
$140.46/mo
Sun N Lake Improvement District

Price history

Date
Event
Price
6/19/2026
Price change
Source: Stellar MLS #O6398526
$515,000-2.8%
$184/sqft
-
Price change
Source: Stellar MLS #O6398526
$530,000-1.9%
$189/sqft
4/13/2026
Listed for sale
Source: Stellar MLS #O6398526
$540,000
$193/sqft

Neighborhood

5245 Pebble Beach Dr
Sebring, FL, 33872 · 33872 - Sebring

Market insights

Offer Insights

Choose an offer strength

List price: $515,000
$510,000 – $515,000
99.5% – 100% of listTops out right at the list price
80% of listList price
45 of the last 89 home closings in 33872 landed at this number or higher (51%). The median one sat 89 days before it went under contract, and this one is on day 188 after a $25,000 cut.

Sample: 89 closed home sales in 33872 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,213/mo
Principal & interest$2,686
Property taxes$130
Insurance$258
HOA$140
Down payment20% · $103,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$515,000

$184 per sq ft

Beds and baths

6 beds, 4 baths

Size

2,804 sq ft

Time on market

188 days

Year built

2026

Monthly payment

About $3,213/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,554 annual tax bill, insurance, and the $140.46/mo HOA fee.

HOA fee

$140.46/mo

Managed by Sun N Lake Improvement District.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byVJMAS REALTYListing agent: Victor Arroyo LopezListing data from Stellar MLS, MLS# O6398526.

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