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110 Spring Garden Rd, Sebring, FL 33870 Property Records

Highlands County property record for 110 Spring Garden Rd, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,626 sqft · built 1966
Lot Size0.234 acres (10,221 sqft)
OwnerIndividual Name on Record
Last Sale$212,000 (Apr 2024)
Tax Bill$955 (2024)
Deeds & MortgagesApr 2024 Sale & Mortgage
Jun 2023 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APNC134808000000500

Property Details

APN / Parcel Number

Primary APNC134808000000500
Alternative APN
  • C-13-34-28-080-0000-0500

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,626 sqft Living Area
1st Floor Area1,283 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1981
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,221 sqft (0.234 acres)
Lot Dimensions134 ft deep x 98 ft wide
Garage TypeFinished
Garage Area528 sqft
DrivewayDriveway
Driveway Area846 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area268 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC134808000000500
Street Address110 SPRING GARDEN RD
CitySEBRING
StateFL
Zip33870-1449
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionSEBRING SHORES DEV SEC 3 PB 7-PG 55 THAT PORTION OF LOTS 50 + 51 FULLY DESC IN RB 254-PAGE 184
Legal Range28E
Legal Township34S
Legal Section13
Legal SubdivisionSEBRING SHORES DEV SEC 03
Legal Lot Number50-51 51
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group3
Census Block3025
Census Tract960700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 2, 2024Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 5, 2023Deed of Trust, Mortgage · FHA Mortgage
MIDFIRST BANK
Feb 22, 2022Deed of Trust, Mortgage · FHA Mortgage
MIDLAND MORTGAGE
Jan 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY
Feb 10, 2017Warranty Deed, Transfer · FHA Mortgage
AMERIS BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 2, 2024 · Amount on Record
Deed SaleApr 2, 2024 · Amount on Record
Prior SaleFeb 10, 2017 · Amount on Record
Deed Document Number2196585
Deed Book / Page3034 / 1278
Record UpdatedJun 8, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateApr 2, 2024
Property Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
Document Number0002196585
Book / Page3034 / 1278
Map ReferenceMB 7 PG 55
Instrument DateMar 28, 2024
Instrument2196585
Transaction TypeTransfer
Record UpdatedApr 17, 2024
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,484.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2934 SAN FRANCISCO LN, SEBRING, FL 33870-5038

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449

Mortgage

Document Number0002196586
DateApr 2, 2024
Book Page3034/1281
Instrument2196586
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2054

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
Transaction TypeMortgage
Record UpdatedJun 19, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449

Mortgage

Document Number0002154202
DateJun 5, 2023
Book Page2979/303
Instrument2154202
Lender
NameMIDFIRST BANK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term285 Months
DueMar 1, 2047

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
Transaction TypeMortgage
Record UpdatedMar 14, 2022
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449

Mortgage

Document Number0002079604
DateFeb 22, 2022
Book Page2886/566
Instrument2079604
Lender
NameMIDLAND MORTGAGE
TypeMortgage Company
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueMar 1, 2047

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
Document Number0001972549
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedFeb 7, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 SPRING GARDEN RD SEBRING FL 338701449, SEBRING, FL 33870-1449

Mortgage

Document Number0001972549
DateJan 24, 2020
Book Page002734/001794
Instrument1972549
Lender
NameMISCELLANEOUS GOVT AGCY
AddressPO BOX 1926, SEBRING, FL 33871-1926
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term36 Months
DueJan 23, 2023

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 10, 2017
Property Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449
Document Number0001842104
Book / Page2565 / 1716
Map ReferenceMB7 PG55
Instrument DateFeb 9, 2017
Instrument1842104
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyHEARTLAND TITLE INSURANCE AG

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address110 SPRING GARDEN RD, 110, SEBRING, FL 33870-1449

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 SPRING GARDEN RD, SEBRING, FL 33870-1449

Mortgage

Document Number0001842105
DateFeb 10, 2017
Instrument1842105
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$102,139 (+22.88%)$167,140 (+6.65%) Land $24,255 Building $142,885
2024$955.00 (+4.71%)
2023$912.00 (+3.64%) Homeowner's exemption$83,124 (+3%)$156,718 (+17%) Land $14,553 Building $142,165
2022$880.00 Homeowner's exemption$80,703$133,947 Land $9,217 Building $124,730

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims11 (1998–2022)
Claims Outside the SFHA2 of 11
Most Recent ClaimSep 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood0.01% annual chance
ExposureDirect
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

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

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