$145,900
4529 Mercado Drive
Sebring, FL 33872
Listing updated: May 7, 2026 at 3:20 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
ALL AGES WELCOME! GROUND FLOOR UNIT – NO STAIRS! Welcome to this beautifully updated 2 BR, 2 BA townhome offering effortless, single-level living and what is truly one of the BEST backyards in the community. Located in Sebring, Florida, this 2 bedroom / 2 bathroom home features 980 sq ft of base living area, complemented by a finished open porch, an expansive finished screened lanai overlooking the pool view, and finished utility/storage space—perfect for both everyday living and entertaining. Step outside to enjoy real grass, a private gated and fully fenced backyard, and a peaceful lanai setting that feels more like a private home than a typical townhome. Inside, the home offers a bright, open living space with comfortable flow; tastefully renovated with NEW flooring, updated functional kitchen with NEW refrigerator. Major mechanical updates include an installed 2.5-ton A/C system installed 2020 for reliable comfort. This solid concrete block unit is on the ground-floor and has no stairs, making it ideal for all ages and lifestyles. Parking is easy with two assigned parking spaces per unit conveniently located near the front door. This intimate HOA consists of just six townhomes, offering a quiet, low-density setting while still providing excellent value. Monthly dues of $600 (updated and inclusive of prior special assessment adjustments) cover lawn care, pool care, exterior insurance and maintenance, and termite treatment—owners only pay their individual utilities. No minimum lease requirement makes this an excellent option for savvy investors, snowbirds, or even short term leasing. Pets are welcome (one pet per unit, no weight limit) based on temperament and community harmony. Situated in the highly sought-after Sun 'N Lakes community in Sebring, you’ll enjoy convenient access to shopping, dining, parks, golf courses, and major roadways; the CDD offers convenient access to two stunning 18-hole golf courses and a beautiful clubhouse. The active community also features pickleball and tennis courts, along with a dog-friendly park, blending relaxed Florida living with everyday convenience. Don’t miss this opportunity...ground-floor townhomes with this backyard, location, and leasing flexibility are incredibly rare! DO NOT WAIT, IT WILL NOT LAST LONG!
Local Insight
At $149/sqft, this 1981 townhouse is priced competitively for Sebring, and being in flood zone X removes that major insurance cost concern—but the $600 monthly HOA is steep relative to the purchase price and will eat into any equity gains quickly. The 980 sqft footprint is tight for a 2bed/2bath, so you'll want to carefully evaluate the layout before committing, especially if resale flexibility matters to you down the line. Given the age and the Campbell Twnhms' HOA burden, run the numbers on total cost of ownership against comparable single-family homes in the area to make sure you're not just paying for someone else's deferred maintenance.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history99 days on market
- Status: ActiveJan 29, 2026
- Listed$159,900Jan 28, 2026
- Price reduced$145,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Townhouse
- Status
- Active
- Days on market
- 99
- Subdivision
- The Campbell Twnhms
- County
- Highlands
- Year built
- 1981
- Living area
- 980 sq ft
- Price/sq ft
- $149
- Building area
- 1,302 sq ft (Public Records)
- Lot size
- 1,697 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12055C0117C)
- Annual taxes
- $1,394 (2025)
- Parcel #
- C-04-34-28-130-255B-1050
- Zoning
- R3
- MLS #
- P4937661
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Other, Tile, Vinyl
- Appliances
- Dishwasher, Range
- Interior features
- Built-in Features, Ceiling Fans(s), Eat-in Kitchen, L Dining, Living Room/Dining Room Combo, Open Floorplan, Other, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat
- Laundry
- Electric Dryer Hookup, Inside, Laundry Closet, Laundry Room, Other, Washer Hookup
- Stories / Levels
- One
- Direction faces
- Northwest
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air, Other
Parking
- Attached garage
- No
- Parking features
- Assigned, Curb Parking, Driveway, Ground Level, Guest, Off Street, On Street, Open, Other, Reserved
HOA & Financial
- HOA fee
- $600 / Monthly
- Monthly HOA
- $600/mo
- Total monthly fees
- $600/mo
- Total annual fees
- $7,200
- HOA name
- Denise Wagner
- CDD
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, Other, Owner Financing, Special Funding, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- ALL LEASE RESTRICTIONS MUST BE VERIFIED WITH THE HOA.
- Approval process
- ALL APPROVAL PROCESSES MUST BE VERIFIED WITH THE HOA. Call HOA President Denise Wagner.
Exterior & Construction
- Exterior features
- Courtyard, Garden, Lighting, Other, Private Entrance, Private Mailbox, Sidewalk, Sliding Doors
- Construction materials
- Block, Concrete, Other
- Roof
- Other, Shingle
- Foundation
- Other, Slab
- Road surface
- Asphalt, Other, Paved
Utilities
- Sewer
- Public Sewer, Other
- Water source
- Public, See Remarks
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Electricity Connected, Other, Public, Sewer Available, Sewer Connected, Underground Utilities, Water Available, Water Connected
Community
- Pets allowed
- Number Limit
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Primary Bedroom | First | |
| Living Room | First | |
| Florida Room | First | 10x21 |
Listing Details
- Listing date
- 2026-01-28
- On market date
- 2026-01-28
- Original list price
- $159,900
- Occupant type
- Owner
- MLS area
- 33872 - Sebring
- Listing AOR
- East Polk
- Status changed
- 2026-01-29
- Tax legal description
- THE CAMPBELL TOWNHOMES OR 695 PG 288 UNIT 105 + 1/6 INTEREST IN COMMON ELEMENTS
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Off of Hwy 27, turn onto Sun N Lake Blvd. At the traffic circle, take the third exit onto Ponce De Leon Blvd, Turn right onto Mercado Drive.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 7, 2026 at 3:20 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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