Highlands County property record for 1305 Karlo St, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,659 sqft · built 1980 |
| Lot Size | 0.289 acres (12,619 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Sep 2021) |
| Tax Bill | $2,590 (2024) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jun 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C185901000200190 |
| Primary APN | C185901000200190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 1,362 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,619 sqft (0.289 acres) |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 120 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C185901000200190 |
|---|---|
| Street Address | 1305 KARLO ST |
| City | SEBRING |
| State | FL |
| Zip | 33875-5752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | MARTHA ESTATES PB 7 PG 42 LOT 19 BLK 2 + 1/92 INTEREST IN PARK L/I |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 18 |
| Legal Subdivision | MARTHA ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 961304 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1305 KARLO ST, SEBRING, FL 33875-5752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 11, 2020 | Warranty Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on Record |
| Deed Sale | Sep 20, 2021 · Amount on Record |
| Prior Sale | Jun 11, 2020 · Amount on Record |
| Deed Document Number | 2054388 |
| Deed Book / Page | 2852 / 49 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 20, 2021 |
| Property Address | 1305 KARLO ST, SEBRING, FL 33875-5752 |
| Document Number | 0002054388 |
| Book / Page | 2852 / 49 |
| Map Reference | MB 7 PG 42 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2054388 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1310 KARLO ST, 1310, SEBRING, FL 33875-5700 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1305 KARLO ST, SEBRING, FL 33875-5752 |
| Document Number | 0000285251 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2852/51 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 11, 2020 |
| Property Address | 1305 KARLO ST, SEBRING, FL 33875-5752 |
| Document Number | 0001988277 |
| Book / Page | 002757 / 000513 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 1988277 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $504.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1310 KARLO ST SEBRING FL 338755700, SEBRING, FL 33875-5700 |
Source: Highlands County assessment roll, as of July 1, 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 | $137,021 (-25.33%) Land $14,000 Building $123,021 | $137,021 (-25.33%) Land $14,000 Building $123,021 | |
| 2024 | $2,590.00 (-7.6%) | ||
| 2023 | $2,803.00 (+6.54%) | $183,506 (+9.9%) Land $14,000 Building $169,506 | $183,506 (+9.9%) Land $14,000 Building $169,506 |
| 2022 | $2,631.00 | $166,982 Land $14,000 Building $152,982 | $166,982 Land $14,000 Building $152,982 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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