108 Spring Garden Rd, Sebring, FL 33870 Property Records

Highlands County property record for 108 Spring Garden Rd, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,298 sqft · built 1967
Lot Size	0.35 acres (15,250 sqft)
Owner	Individual Name on Record
Last Sale	$208,000 (Jul 2022)
Tax Bill	$399 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C134808000000490`

Property Details

APN / Parcel Number

Primary APN	`C134808000000490`
Alternative APN	`C-13-34-28-080-0000-0490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,298 sqft Living Area
1st Floor Area	1,946 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	15,250 sqft (0.35 acres)
Lot Dimensions	134 ft deep x 98 ft wide
Garage Type	Finished
Garage Area	525 sqft
Driveway	Driveway
Driveway Area	768 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	234 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C134808000000490
Street Address	108 SPRING GARDEN RD
City	SEBRING
State	FL
Zip	33870-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SEBRING SHORES DEV SEC 3 PB 7-PG 55 LOT 49 LESS TRIANGULAR TR IN SW COR + SWLY PORTION OF LOT 50
Legal Range	28E
Legal Township	34S
Legal Section	13
Legal Subdivision	SEBRING SHORES DEV SEC 03
Legal Lot Number	49
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3025
Census Tract	960700

Owner

Source: Highlands County records, as of December 12, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	108 SPRING GARDEN RD, SEBRING, FL 33870-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2107317
Deed Book / Page	2921 / 1099
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 27, 2022
Property Address	108 SPRING GARDEN RD, SEBRING, FL 33870-1449
Document Number	0002107317
Book / Page	2921 / 1099
Map Reference	MB 7 PG 55
Instrument Date	Jul 25, 2022
Instrument	2107317
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	668 RUBY BURNSED RD, 668, SAINT GEORGE, GA 31562-4066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRING GARDEN RD, SEBRING, FL 33870-1449

Mortgage

Document Number	0029211103
Date	Jul 27, 2022
Instrument	2921/1103

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$197,394 (+5.82%) Land $24,255 Building $173,139	$197,394 (+5.82%) Land $24,255 Building $173,139
2024	$399.00 (-86.17%)
2023	$2,884.00 (+13.68%)	$186,543 (+18.44%) Land $14,553 Building $171,990	$186,543 (+18.44%) Land $14,553 Building $171,990
2022	$2,537.00	$157,496 Land $9,217 Building $148,279	$157,496 Land $9,217 Building $148,279

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1998–2022)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20