Highlands County property record for 115 Spring Garden Rd, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,716 sqft · built 1987 |
| Lot Size | 0.216 acres (9,418 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Dec 2020) |
| Tax Bill | $1,670 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-13-34-28-080-0000-0970 |
| Primary APN | C-13-34-28-080-0000-0970 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| Gross Area | 2,176 sqft |
| 1st Floor Area | 1,452 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,418 sqft (0.216 acres) |
| Lot Dimensions | 135 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 332 sqft |
| Patio Area | 182 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 115 SPRING GARDEN RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33870-1451 |
| 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 97 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 13 |
| Legal Subdivision | SEBRING SHORES DEV SEC 03 |
| Legal Lot Number | 97 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 960700 |
115 Spring Garden Rd is owned and occupied by two individuals who bought it in December 2020.
Source: Highlands County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION |
| Jun 27, 2017 | Deed of Trust, Mortgage · Line of Credit HARBOR COMMUNITY BANK |
| Dec 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 7, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2020 · Amount on File |
| Deed Sale | Dec 10, 2020 · Amount on File |
| Deed Document Number | 202010379 |
| Deed Book / Page | 2789 / 549 |
| Prior Transfer Date | Jun 6, 2019 |
| Prior Transfer Doc | 0001943425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 25, 2026 |
| Property Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Document Number | 0002327762 |
| Book / Page | 3213 / 1702 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 20262327762 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Document Number | 0002327762, |
|---|---|
| Date | Aug 25, 2026 |
| Book Page | 3213/1702 |
| Instrument | 20262327762 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 15, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001857265 |
|---|---|
| Date | Jun 27, 2017 |
| Book Page | 2586/1746 |
| Instrument | 1857265 |
| Name | HARBOR COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 20, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 10, 2020 |
| Property Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Document Number | 0002010379 |
| Book / Page | 2789 / 549 |
| Map Reference | MB 7 PG 55 |
| Instrument Date | Dec 7, 2020 |
| Instrument | 2010379 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | SOUTH RIDGE ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 SPRING GARDEN RD, 115, SEBRING, FL 33870-1451 |
| Name | Verified Name |
|---|---|
| Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Document Number | 0002789551 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2789/551 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 7, 2019 |
| Property Address | 115 SPRING GARDEN RD, SEBRING, FL 33870-1451 |
| Document Number | 0001943425 |
| Book / Page | 002696 / 001053 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 1943425 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 115 SPRING GARDEN RD SEBRING FL 338701451, SEBRING, FL 33870-1451 |
The 2025 property tax bill for 115 Spring Garden Rd was $1,670, up 3.3% from the year before.
Source: Highlands County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,670.00 (+3.28%) | $138,169 | $195,922 Land $17,325 Building $178,597 |
| 2024 | $1,617.00 (+3.13%) | ||
| 2023 | $1,568.00 (+2.15%) Homeowner's exemption | $130,364 (+3%) | $188,405 (+15.95%) Land $10,395 Building $178,010 |
| 2022 | $1,535.00 Homeowner's exemption | $126,567 | $162,492 Land $6,584 Building $155,908 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Spring Garden Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1998.
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 File 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 |
|
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 risk around 115 Spring Garden Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
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 |
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