Chad Creech
$419,000$449,9504 bd2 ba2,225 sqft$188 /sqft$2,853 /mo all-in ↓

4300 CREMONA DRIVE, SEBRING, FL, 33872

Active266 days on marketListed Nov 7, 2025MLS #L4957086

Reduced $31KNew constructionSingle Family ResidenceSUN N LAKE

About this home

4300 CREMONA DRIVE

Step into a home where every detail has been thoughtfully designed and every finish reflects lasting quality. Located in the sought-after Sun 'N Lake community, 4300 Cremona Drive is a brand-new custom-built residence with more than 2,200 square feet of beautifully crafted living space, combining modern style, functional design, and the confidence that comes with brand-new construction. A striking double-door entry welcomes you into an expansive, light-filled interior featuring soaring ceilings, luxury laminate flooring throughout the main living areas, and oversized sliding glass doors that create a seamless connection between indoor and outdoor living. The open-concept layout is designed for the way we live today, making everyday routines feel effortless while providing an inviting setting for holidays, celebrations, and weekend gatherings. The kitchen is the centerpiece of the home, where elegant stone countertops, custom cabinetry in soft natural tones, stainless steel appliances, contemporary fixtures, an oversized island, and a generous walk-in pantry come together to create a space that's equally impressive and practical. Whether you're preparing a casual breakfast or entertaining a full house, this kitchen rises to every occasion. After a full day, the owner's suite becomes your personal retreat. Spacious and thoughtfully appointed, it features a large walk-in closet and a spa-inspired ensuite with dual vanities, warm wood cabinetry, a frameless glass shower, and a soaking tub positioned to capture beautiful natural light, creating the perfect place to recharge. Three additional bedrooms provide the flexibility today's homeowners value, whether for overnight guests, a dedicated home office, fitness space, or creative studio. The secondary bathroom includes dual sinks, a spacious vanity, and timeless tile selections that complement the home's refined design. A well-equipped laundry room with built-in cabinetry and folding space adds convenience to everyday living. Outside, the oversized homesite provides the freedom to create the backyard you've always envisioned. Add a pool, design an outdoor kitchen, cultivate lush landscaping, or create an inviting entertaining space with room to grow. An extended driveway and attached two-car garage complete the property's thoughtful functionality. Living in Sun 'N Lake means enjoying more than just an exceptional home. Residents have access to championship golf courses, tennis and pickleball courts, scenic walking trails, parks, Island View Restaurant, nearby shopping, medical facilities, and everyday conveniences, making it easy to embrace an active Florida lifestyle. For buyers seeking craftsmanship that stands apart from mass-produced construction, 4300 Cremona Drive delivers exceptional attention to detail, timeless finishes, and the rare opportunity to enjoy a custom home that's ready to enjoy from day one. Schedule your private tour and experience what makes this residence truly stand out.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,225

Sqft

0.38 ac

Lot size

2

Garage

2025

Year built

One

Levels

$188

Per sqft

Pets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationStem Wall
FacesNorthwest
ParkingGarage Door Opener · Garage Faces Side · Oversized
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$8/mo
Taxes (2024)$398/yr
PetsYes
CommunityDeed Restrictions · Fitness Center · Golf Carts OK · Golf · Pool · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer 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.

$2,853 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property tax — 2024 actual bill$33
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,665Loan30-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% · $14,665
Interest rate6.00%
Loan term

Estimated payment

$2,853/mo

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property taxes (actual bill)$33
HOA / condo fee$8
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 $419K
$381KedgeAI estimate $410,254 · range $396K$442K$460K

vs edgeAI estimate

+2.1%

$/sqft vs SUN N LAKE

$188 vs $195

Days on market

266 vs 60 typical

Where $188/sqft sits among the 57 homes for sale in SUN N LAKE

6
13
12 · this home
13
9
4
$138–158$158–177$177–197$197–216$216–236$236+

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

Map of 4300 CREMONA DRIVE

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

MiddleHill-Gustat Middle School★★★★
ElementarySun 'n Lake Elementary School★★★★★
HighAvon Park High School★★★★★

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

The numbers that matter

The Sebring market

Seller’s marketLeans buyer7.8 months of inventoryBuyer’s market

$270K$293K

Sebring median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

22 of 57

SUN N LAKE have cut their price

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

This home is listed 1576% above the SEBRING 33872 median. See the full Sebring market guide →

Paper trail

This home's history

CurrentPrice reduced to $419,000 $31K
Nov 7, 2025Listed at $449,950 · 266 days on market since
2025Built · SUN N LAKE

Reality check

What actually sold near 4300 CREMONA DRIVE

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

6809 COCONUT GROVE DRIVESold · Feb ’26

$399,900

6809 COCONUT GROVE DRIVE · same community

4 bd · 2 ba · 2,225 sqft · $180/sqft · 197 DOM

4632 SAN LORENZO DRIVESold · Feb ’26

$419,900

4632 SAN LORENZO DRIVE · same community

4 bd · 2 ba · 2,225 sqft · $189/sqft · 150 DOM

6925 SUN N LAKE BOULEVARDSold · Oct ’25

$335,900

6925 SUN N LAKE BOULEVARD · same community

4 bd · 3 ba · 2,240 sqft · $150/sqft · 132 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 4300 CREMONA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4300 CREMONA DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

4300 CREMONA DRIVE FAQs

What would the monthly payment be for 4300 CREMONA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,853/mo — principal and interest, the actual property-tax bill, the $8/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 4300 CREMONA DRIVE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4300 CREMONA DRIVE?+

The most recent tax bill on record (2024) was $398. 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 4300 CREMONA DRIVE?+

The listing reports pets: 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 $419,000, this home is listed about 50% above the Sebring median of $279,990. The market section on this page shows how the area is trending.

Which schools are assigned to 4300 CREMONA DRIVE?+

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

Four things that matter here

01Positioned at the premium end

$419,000 runs 1576% above the SEBRING 33872 median — but at 2,225 sqft it's also 48% larger than the typical Sebring listing.

02Time on market is leverage

266 days on market against a Sebring median of 60 — sellers in this position are usually ready to negotiate.

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.

04The price has already moved

Listed at $449,950, now $419,000 — a $31K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Jen Lay. MLS #L4957086.

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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