1,055

Highlands County FL Homes for Sale with Garage

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  • /30

    $329,000

    • 4 Beds
    • 2 Baths
    • 2,270 Sq Ft

    116 Club Rd NW, Lake Placid, FL 33852

    HUGE PRICE ADJUSTMENT! SELLERS ARE BEING RELOCATED FOR WORK. MOTIVATED!! Welcome to your next home or investment opportunity! This spacious and versatile property features 4 (possibly 5) bedrooms and 2 full bathrooms — perfect for multigenerational living, a family residence, or a bed & breakfast/Airbnb setup. Step inside to discover light-filled rooms and an open layout that invites comfortable

    Rebecca Musgrave ALL ABOUT REALTY-LK PLACID

    116 Club Rd NW, Lake Placid, FL 33852
  • /36

    $295,000

    • 2 Beds
    • 2 Baths
    • 1,250 Sq Ft

    3016 Sugar Pine Cir, Sebring, FL 33872

    Price Reduction! Nestled in the desirable Golf Hammock community of Cormorant Point, this beautifully updated two-bedroom, two-bath home is truly move-in ready. Fully remodeled, the home features a brand-new kitchen with updated wood cabinetry, completely renovated bathrooms, and new flooring throughout. A new roof installed in 2025, a full-house water filtration system, and eight new windows

    Donna Pollard The Pipal Group

    3016 Sugar Pine Cir, Sebring, FL 33872
  • /42

    $199,990

    • 2 Beds
    • 2.5 Baths
    • 1,334 Sq Ft

    108 New Castle Terrace, Lake Placid, FL 33852

    Gorgeous townhouse in a Lakefront Community on Lake Huntley. 2 bedrooms, 2 1/2 baths, one car garage. Two porches, one on each floor. Move-in ready! Updated throughout. Bedrooms located on second floor. This small, lakefront community is tucked away in a quiet setting, yet so close to town and shopping, restaurants, etc. PETS ALLOWED. RENTALS ALLOWED. 9’ ceilings, crown molding on main level,

    Lisa Aprea CENTURY 21 Lake & Land Myers Realty

    108 New Castle Terrace, Lake Placid, FL 33852
  • /39

    $289,900

    • 2 Beds
    • 2 Baths
    • 1,713 Sq Ft

    3407 Divot Rd, Sebring, FL 33872

    Welcome to this charming 2-bedroom, 2-bath single-family home nestled in the heart of Golf Hammock, a premier golf community where peace, nature, and lifestyle come together. With private roads, deed restrictions, and a beautifully maintained setting, Golf Hammock is the perfect place to slow down and truly enjoy Florida living. Set on a generous 15,313 sq. ft. lot, this home is surrounded by

    German Paz Paradise Real Estate International LLC

    3407 Divot Rd, Sebring, FL 33872
  • /42

    $379,900

    • 3 Beds
    • 2 Baths
    • 2,248 Sq Ft

    3 Meadowlake Cir S, Lake Placid, FL 33852

    Beautiful pool home located in the highly sought-after Meadowlake community on Lake Huntley, priced to sell and offering an excellent opportunity for a buyer to add their own updates and personal touches. This well-designed single-story residence offers over 2,200 square feet of living space with soaring ceilings, an open and functional layout, and easy-care tile flooring throughout. The spacious

    Tara Jefferies Future Home Realty, Inc.

    3 Meadowlake Cir S, Lake Placid, FL 33852
  • /40

    $410,000

    • 3 Beds
    • 2 Baths
    • 1,158 Sq Ft

    3014 Peachtree Dr, Lake Placid, FL 33852

    Waterfront living at it's finest! This beautifully maintained 3-bedroom, 2-bathroom home is perfectly situated on the main canal with direct access to prestigious Lake June and Lake Carrie, located in the highly desirable Leisure Lakes Community. Enjoy true Florida living with your private boathouse featuring a lift ideal for boating, fishing, and sunset cruises right from your backyard. Inside,

    Kim Krueger COMPTON REALTY

    3014 Peachtree Dr, Lake Placid, FL 33852
  • /24

    $349,000

    • 2 Beds
    • 2 Baths
    • 1,709 Sq Ft

    3094 Golden Bear Rd, Sebring, FL 33872

    Magnolia Golf Villas offers resort-style living wrapped in small-town warmth. Set on roughly seven acres within Sun ‘N Lake of Sebring and bordering the Deer Run Golf Course, this community blends convenience, recreation, and low-maintenance living. Residents enjoy beautifully kept grounds year-round, with golf, lakes, medical offices, and a neighborhood restaurant all just a short golf-cart ride

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    3094 Golden Bear Rd, Sebring, FL 33872
  • /80

    $399,000

    • 4 Beds
    • 3 Baths

    3709 Grand Concourse, Sebring, FL 33875

    Spacious and versatile property located in 1.23 acres, ideal for those loking for space, privacy and multiples uses.The main recidence has 4 bethrooms,an office,3 bathrooms,confortable living room, kitchen. and laundry area.In the patio in addition to the pool area,there is a construction of 1,200sqft,with its own bathroom,air conditoning and separate electricity meter ,ideal features for

    Jacquelin Perez MAI JAC Realty Group LLC

    3709 Grand Concourse, Sebring, FL 33875
  • /17

    $199,900

    • 3 Beds
    • 1.5 Baths
    • 1,005 Sq Ft

    3505 Lister St, Sebring, FL 33872

    Located in Sebring Country Estates, this home offers a great opportunity for a first-time homebuyer ready to add personal touches, or for those seeking a winter retreat or income-producing rental. The home features 3 bedrooms, 1 full bathroom, and 1 half bath—both bathrooms have been updated. Enjoy the spacious screened rear porch, which includes an additional enclosed room—perfect for storage or

    Derrin Davis Keller Williams Realty Fort Myers and the Islands

    3505 Lister St, Sebring, FL 33872
  • /36

    $158,500

    • 2 Beds
    • 2 Baths
    • 1,290 Sq Ft

    160 Parkview Cir, Lake Placid, FL 33852

    Imagine waking up each day to a world designed for your enjoyment—that’s the promise of Covered Bridge, a premier 55+ community nestled in the heart of Lake Placid, FL. Come see for yourself and walk away with a great deal in a great place. Recently Reduced – Seller Motivated! Located in a quiet area at the back of one of Florida’s best 55+ communities, this charming 2-bedroom, 2-bath villa is

    German Paz Paradise Real Estate International LLC

    160 Parkview Cir, Lake Placid, FL 33852
  • /47

    $287,000

    • 2 Beds
    • 1.5 Baths
    • 1,220 Sq Ft

    1218 Driscoll Dr, Lake Placid, FL 33852

    There's a new Kid in town - Just two blocks from Lake Clay in the quaint town of Lake Placid known as the Caladium Capital of the World. Great location - close to town, restaurants, shopping, medical facilities. Beautifully upgraded & furnished through out, this quiet charming home makes a sophisticated statement as soon as you step thru the doorway with its timeless style. From the chandelier

    Michele Sarlay SANDERS REALTY GROUP

    1218 Driscoll Dr, Lake Placid, FL 33852
  • /46

    $221,900

    • 2 Beds
    • 2 Baths
    • 1,620 Sq Ft

    247 Hickory Ridge Dr, Sebring, FL 33876

    Discover this spacious 2-bedroom, 2-full-bath home with an additional 3rd bedroom bonus room in the very safe and peaceful Hickory Ridge neighborhood, just 2 miles before Spring Lake coming from downtown Sebring. Enjoy a well-kept street with friendly neighbors and beautifully maintained homes no HOA or fees to pay. Inside, the home features updated vinyl plank flooring and fresh interior paint.

    Lilisbet Diaz Rodriguez LPT Realty LLC

    247 Hickory Ridge Dr, Sebring, FL 33876
  • /33

    $224,000

    • 2 Beds
    • 2 Baths
    • 1,763 Sq Ft

    347 Grove Cir Unit 347, Avon Park, FL 33825

    Welcome to 347 Grove Circle in Avon Park, Florida, a well-located residential property offering comfort, convenience, and small-town charm in the heart of Highlands County. Situated on a quiet street, this home provides a peaceful setting while remaining close to local shopping, dining, medical facilities, and schools. There is a cart path on this road that leads directly to the Beautiful River

    Robert Hinerman Heartland Real Estate Co.

    347 Grove Cir Unit 347, Avon Park, FL 33825
  • /49

    $425,000

    • 3 Beds
    • 2 Baths
    • 2,203 Sq Ft

    1528 Washington Blvd NW, Lake Placid, FL 33852

    Situated on Lake August, this 3 bedroom 2 bathroom lakefront home offers a thoughtfully designed split floor plan with sweeping water views throughout the main living areas. Upon entry, the home opens to a spacious living room with vaulted ceilings, rounded architectural details, and an eletric fireplace, flowing seamlessly into the dining area and kitchen featuring generous counter space, light

    Cheryl Brantley BRANTLEY PROPERTIES INC.

    1528 Washington Blvd NW, Lake Placid, FL 33852
  • /37

    $197,500

    • 2 Beds
    • 1 Bath
    • 1,426 Sq Ft

    7 Elder St, Avon Park, FL 33825

    This charming 1920 residence offers three bedrooms and one full bath, blending classic character with versatile outdoor spaces. In addition to the main home, the property includes a detached shed and a separate garage with workshop—ideal for projects, storage, or creative pursuits. Zoned R1-A, the layout provides flexibility for everyday living with room to work or tinker at home. Inviting

    Tania Bobe LPT REALTY, LLC

    7 Elder St, Avon Park, FL 33825
  • /21

    $257,900

    • 4 Beds
    • 2 Baths
    • 1,513 Sq Ft

    1605 Marble St, Sebring, FL 33870

    Welcome to Stoneridge, a private gated community offering peaceful living with convenient access to the Sebring Parkway and US-27. Lincoln model features four bedrooms, two bathrooms, and a two-car garage. The open layout includes recessed lighting, white shaker-style cabinetry with granite countertops throughout, a stainless steel appliances. The owner’s suite is privately situated at the rear

    Shanna Hathaway Jason Mitchell Real Estate - Florida

    1605 Marble St, Sebring, FL 33870
  • /23

    $237,000

    • 2 Beds
    • 2 Baths
    • 1,622 Sq Ft

    3726 Camry Ct, Sebring, FL 33872

    Custom-built villa located in desirable Thunderbird Hills featuring two spacious master suites, two full baths, and a two-car garage. This home offers an open floor plan with a beautifully remodeled kitchen, highlighted by a large granite island with counter seating, pull-out drawers, and a brand-new refrigerator, all overlooking the main living areas. Recent updates include new vinyl flooring

    Shanna Hathaway Jason Mitchell Real Estate - Florida

    3726 Camry Ct, Sebring, FL 33872
  • /40

    $258,000

    • 2 Beds
    • 2 Baths
    • 1,547 Sq Ft

    128 Grandview Blvd, Lake Placid, FL 33852

    Come see this fully furnished home in the exclusive HOA Community of Tomoka Heights! The home features 3 bedrooms and 2 baths in an open concept living and dining area that leads into a fabulous enclosed patio. Just off the kitchen is a full sized two car garage. The owner is using the third bedroom as a den resulting in three living areas, demonstrating that the home can be adjustable to your

    Joe Brett Common Ground Realty LLC

    128 Grandview Blvd, Lake Placid, FL 33852
  • /48

    $405,000

    • 3 Beds
    • 2 Baths
    • 2,717 Sq Ft

    1743 Citadel St, Lake Placid, FL 33852

    Are you looking for the perfect home for entertainment in a nice quiet neighborhood? Look no further! This 3 Bedroom and 2 Bath home provides all the space you need with over 2700 living sqft. The two front rooms are the perfect space for an in home office and a breakfast nook right off the kitchen while still having a formal Dining Area with Large Glass windows into your large den that is the

    Susan Compton COMPTON REALTY

    1743 Citadel St, Lake Placid, FL 33852
  • /28

    $625,999

    • 3 Beds
    • 2 Baths
    • 2,500 Sq Ft

    131 Temptation Ct, Lake Placid, FL 33852

    Stunning Custom LAKE FRONT Home with beautiful Sunset Views! House is larger than it appears! This is a LARGE unique one of a kind beautifully crafted, custom built home with breathtaking sunset views over a serene lake, nestled on an oversized peninsula lot on a cul de sac. This home is built with durability and comfort in mind, featuring 18" thick walls with 8 inch energy walls, 22-foot

    Donna Davis Accurate Realty Inc

    131 Temptation Ct, Lake Placid, FL 33852
  • /48

    $221,000

    • 2 Beds
    • 2 Baths
    • 1,535 Sq Ft

    1434 S Golfview Dr, Avon Park, FL 33825

    PRICE REDUCTION!!! RARE OPPORTUNITY ON THE 15TH GREEN! Discover the best value at Pinecrest Villas—currently the most affordable home on the historic 1926 Donald Ross designed course. Enjoy peace of mind with a NEW ROOF (2022) and NEW AC (2021).This beautifully landscaped home features a private, high-walled front patio perfect for morning coffee. Inside, a spacious foyer leads to an

    Lynell Kendrick ADVANCED ALL SERVICE/ SEBRING

    1434 S Golfview Dr, Avon Park, FL 33825
  • /45

    $875,000

    • 3 Beds
    • 2.5 Baths
    • 2,132 Sq Ft

    3053 Jack Creek Dr, Lake Placid, FL 33852

    This rare custom-built estate in The Grove on Lake Francis, a gated lakefront community just minutes from downtown Lake Placid, presents intentional architectural craftsmanship with wood accents and stacked stone. Stepping inside, the home opens to a split floor plan where a spacious family room flows seamlessly into the kitchen, featuring a grand center island, granite countertops and

    Cheryl Brantley BRANTLEY PROPERTIES INC.

    3053 Jack Creek Dr, Lake Placid, FL 33852
  • /42

    $279,900

    • 3 Beds
    • 2 Baths
    • 1,372 Sq Ft

    2351 Lakeview Dr Unit 313, Sebring, FL 33870

    Come live the good life at Majestic Cove, offering resort-style living in the charming town of Sebring, Florida. Perfectly situated along the shores of Lake Jackson, one of Highlands County’s premier recreational lakes, residents can enjoy boating, skiing, swimming, and fishing right from the community’s private beach.This 3rd-floor, front-corner unit provides exceptional privacy with no

    Derrin Davis Keller Williams Realty Fort Myers and the Islands

    2351 Lakeview Dr Unit 313, Sebring, FL 33870
  • /2

    $299,000

    • 2 Beds
    • 2 Baths
    • 1,602 Sq Ft

    4119 Tangier St, Sebring, FL 33872

    This home is currently undergoing a full renovation, offering modern updates and quality finishes throughout. It will feature 2 spacious bedrooms and 2 full bathrooms. Upgrades include a new roof, new A/C system, new water heater, a modern kitchen with quartz countertops and stainless-steel appliances, all-new light fixtures and ceiling fans, new modern tile flooring, and a new sliding glass

    Roxanna La Paugh RE/MAX Prestige Realty/RPB

    4119 Tangier St, Sebring, FL 33872
  • /46

    $290,000

    • 3 Beds
    • 2 Baths
    • 1,601 Sq Ft

    4 Rosewood Dr N, Lake Placid, FL 33852

    Located in the gated 55+ community of Tomoka Heights, this well-maintained, move-in-ready home is being sold fully furnished, offering exceptional convenience and value. The open, split-bedroom floor plan features three bedrooms and two bathrooms, designed for both comfort and privacy. The kitchen is thoughtfully updated with light-colored cabinetry featuring soft-close doors and roll-out

    Dawn Miller Prestige Realty of Florida

    4 Rosewood Dr N, Lake Placid, FL 33852
  • /32

    $368,900

    • 3 Beds
    • 2 Baths
    • 2,018 Sq Ft

    2440 Manor Dr, Sebring, FL 33872

    Welcome to Manor Drive, located in Manor Hill subdivision of Sun N Lake of Sebring. This well-built custom home constructed in 2005, features 3 bedrooms and 2 full baths. Living room features custom built cabinetry with granite countertops, recessed lighting and crown molding flows throughout. Flooring is white ceramic tile with dining area accented in marble, plantation shutters and chandelier.

    John LaVine Paradise Real Estate International LLC

    2440 Manor Dr, Sebring, FL 33872
  • /39

    $199,900

    • 2 Beds
    • 2 Baths
    • 1,473 Sq Ft

    2821 Palo Verde Dr, Avon Park, FL 33825

    Welcome to the Casa Del Lago community! This well-maintained 2-bedroom, 2-bathroom condo is move-in ready and offers a low-maintenance Florida lifestyle. The HOA includes exterior building maintenance, roof, landscaping, shrubs, lawn care, and irrigation, giving you more time to enjoy the community amenities.Residents enjoy access to a community pool, shuffleboard, and tennis courts, all

    Derrin Davis Keller Williams Realty Fort Myers and the Islands

    2821 Palo Verde Dr, Avon Park, FL 33825
  • /13

    $259,900

    • 3 Beds
    • 2 Baths
    • 1,458 Sq Ft

    3102 Grouper Dr, Sebring, FL 33870

    One owner home in Sebring Ridge that has been well maintained. This 3 bedroom 2 bath, built in 1996, offers what many new construction spec homes seem to lack, a little character. The floor plan is comfortable with a formal living room and family room that is split by a nice kitchen with cherry red cabinetry and plenty of space. Perfect for the first time buyer or those that are looking to

    Josh Rodriguez Home Town Realty Pros

    3102 Grouper Dr, Sebring, FL 33870
  • /41

    $230,000

    • 2 Beds
    • 2 Baths
    • 1,655 Sq Ft

    2445 N Orangewood St, Avon Park, FL 33825

    Welcome to this beautifully constructed new home in desirable Orangewood Acres! The spacious floor plan features 2 bedrooms and 2 bathrooms, plus a dedicated office that could easily function as a third bedroom. Both a living room and a family room provide flexible spaces for relaxing and entertaining, with vaulted ceilings in the living room adding volume and natural light. The open kitchen

    Eric Rhoades RE/MAX REALTY PLUS

    2445 N Orangewood St, Avon Park, FL 33825
  • /50

    $379,900

    • 4 Beds
    • 3 Baths
    • 2,805 Sq Ft

    2323 Pinewood Blvd, Sebring, FL 33870

    This is the kind of home that just works for real life—especially if you need space, flexibility, and room to breathe both inside and out. With 2,805 square feet of living space (3,122 total), this 4-bedroom, 3-bath home is ideal for families, multi-generational living, or anyone with adult children or in-laws who need their own space. The layout offers two separate living areas plus an

    Tara Jefferies Future Home Realty, Inc.

    2323 Pinewood Blvd, Sebring, FL 33870
  • /50

    $289,000

    • 4 Beds
    • 3 Baths
    • 2,324 Sq Ft

    5324 Lafayette Ave, Sebring, FL 33875

    When character, space, and potential come together! This 4-bedroom, 3-bath stacked split-level (quad-level) home offers just over 2,300 sq ft and a layout full of personality. With multiple living areas spread across four levels, there's room to spread out, gather, and grow. The home could use a little love, but it’s bursting with opportunity for the right buyer to make it shine. New Roof in

    Alysia Cortes Hello Florida Real Estate

    5324 Lafayette Ave, Sebring, FL 33875
  • /42

    $695,000

    • 3 Beds
    • 2 Baths
    • 2,006 Sq Ft

    194 Leisure Ln, Venus, FL 33960

    Experience the ultimate outdoorsman’s retreat with this 10-acre custom home, complete with your very own shooting range and hunting stand. Built in 2009 with meticulous attention to quality, this solid block residence sits on a fully fenced lot that includes a small pond, abundant storage, and a covered workshop. Inside, tile flooring runs throughout for durability and easy maintenance, and the

    Lazaro Martinez HAMMOCK REALTY LLC

    194 Leisure Ln, Venus, FL 33960
  • /50

    $399,900

    • 3 Beds
    • 2 Baths
    • 2,424 Sq Ft

    309 Cardinal Rd, Sebring, FL 33876

    Superior construction methods were used on this beautifully designed, split layout custom home! Built using Insulated Concrete Forms (ICF), this sturdy 2,400 sqft home offers higher-grade disaster resistance while also resisting mold, pests and structural shifting. The solid, reinforced concrete walls feature built-in insulation for exceptional soundproofing and lower energy costs. For further

    Jacqueline Vreeken Hammock Realty

    309 Cardinal Rd, Sebring, FL 33876
  • /23

    $329,100

    • 3 Beds
    • 2 Baths
    • 1,713 Sq Ft

    5811 Twisted Oaks Dr, Sebring, FL 33876

    Discover this beautifully maintained 3-bedroom, 2-bath home situated on just over one acre in the prestigious Spring Lake community of Sebring. Located on a quiet street, this property offers excellent privacy and a spacious open floor plan with cathedral ceilings in the family room, white cabinetry, solid surface countertops, and a layout that opens to the family room—ideal for entertaining or

    Marlene Arria Devoe Paradise Real Estate International LLC

    5811 Twisted Oaks Dr, Sebring, FL 33876
  • /50

    $365,900

    • 3 Beds
    • 2 Baths
    • 1,960 Sq Ft

    4416 Bunker Dr, Sebring, FL 33872

    Are you looking for a home that has room to spread out and overlooks the golf course? Welcome home to this 3 Bedroom, 2 Bath home that also offers 2 office spaces & includes some nice updates completed within the last few years. This home has an open floor plan w/cathedral ceiling in the living room which also includes newer wood laminate flooring & flows into the dining room. Nicely updated

    Kevin & Teresa Bock RE/MAX REALTY PLUS

    4416 Bunker Dr, Sebring, FL 33872
  • /21

    $325,000

    • 2 Beds
    • 2 Baths
    • 1,685 Sq Ft

    4624 Duffer Loop, Sebring, FL 33872

    Welcome to this beautifully maintained 2 bedroom pool home in Golf Hammock. Featuring durable wood laminate and tile flooring throughout. A skylight fills the main living space with natural light, highlighting the open floor plan that flows seamlessly from the living area to the kitchen and dining spaces. Step outside to your private screened pool area complete with a built in wet bar. The

    Chip Boring RE/MAX REALTY PLUS

    4624 Duffer Loop, Sebring, FL 33872
  • /50

    $1,299,900

    • 6 Beds
    • 4 Baths
    • 4,022 Sq Ft

    119 Sunset Terrace, Lake Placid, FL 33852

    Open House Sat Jan 24, 11:00AM-2:00PMLive the vacation-resort lifestyle year-round!This exceptional lakefront retreat offers an outstanding rental history, generating over $100,000 a year in vacation rental income the past four years—making it an ideal investment, second home, or full-time residence.Beautifully appointed, this 6-bedroom, 4-bathroom home sits on just over one acre

    Derrin Davis Keller Williams Realty Fort Myers and the Islands

    119 Sunset Terrace, Lake Placid, FL 33852
  • /29

    $489,900

    • 4 Beds
    • 2 Baths
    • 2,086 Sq Ft

    9236 Placid Lakes Blvd, Lake Placid, FL 33852

    OPEN HOUSE THIS SATURDAY APRIL 4TH, 2026 - 11:00AM TO NOON!!! PRIVATE LAKEFRONT - Elegant waterfront home in Lake Placid on private Lake Diane. This rare 4 bedroom 2 bath home has top of the line everything. Amenities include: • Split bedroom floor plan • 8-ft doors throughout the home • Light porcelain wood-plank tile flooring throughout • Gas range • High-efficiency Rinnai gas tankless water

    Eve Brock Eve Brock's Florida Realty

    9236 Placid Lakes Blvd, Lake Placid, FL 33852
  • /8

    $204,000

    • 3 Beds
    • 1 Bath
    • 1,092 Sq Ft

    1613 Hitakee Ave, Sebring, FL 33870

    Updated home, move in ready. Well located 1 minute away from the beautiful Lake Jackson, around LakeView area and Downtown Sebring. It offers a spacious backyard 0.24 acre parcel!This 3-bed, 1 bath, with just a few cosmetic updates, can be a forever home or a great investment.This house has a great potential to expand or just enjoy the big backyard and the surrounding area.No HOA and

    Ana Ael ADVANTAGE REALTY #1

    1613 Hitakee Ave, Sebring, FL 33870
  • /22

    $475,000

    • 3 Beds
    • 2 Baths
    • 2,170 Sq Ft

    5012 Friars Cove St, Sebring, FL 33872

    Refined living meets modern reliability in this beautifully maintained Sebring residence. Designed to impress, the home features soaring high ceilings that enhance natural light and create an elegant, open ambiance. This 3-bedroom, 2-bathroom home with a dedicated office room. Approximately 2,170 sq ft of living area and 2,912 sq ft total, providing exceptional space and comfort for both everyday

    Rosalia Mena LPT Realty LLC

    5012 Friars Cove St, Sebring, FL 33872

Showing Results 361 - 400, Page 10 of 18

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