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1311 Karlo St, Sebring, FL 33875 Property Records

Highlands County property record for 1311 Karlo St, Sebring, FL 33875

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,164 sqft · built 1983
Lot Size0.279 acres (12,138 sqft)
OwnerIndividual Name on Record
Last Sale$295,000 (Feb 2024)
Tax Bill$2,040 (2024)
Deeds & MortgagesMar 2026 Mortgage
Feb 2024 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APNC185901000200200

Property Details

APN / Parcel Number

Primary APNC185901000200200
Alternative APN
  • C-18-35-29-010-0020-0200

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,164 sqft Living Area
Gross Area1,772 sqft
1st Floor Area1,164 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1991
Exterior MaterialWood
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area12,138 sqft (0.279 acres)
Lot Dimensions125 ft deep x 100 ft wide
View / LotCanal
Garage TypeAttached
Garage Area288 sqft
DrivewayConcrete Driveway
Driveway Area360 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchScreened Porch
Porch Area356 sqft
Deck Area100 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address1311 KARLO ST
CitySEBRING
StateFL
Zip33875-5752
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionMARTHA ESTATES PB 7-PG 42 LOT 20 BLK 2 + 1/92 INTEREST IN PARK
Legal Range29E
Legal Township35S
Legal Section18
Legal SubdivisionMARTHA ESTATES
Legal Block2,1
Legal Lot Number20
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group2
Census Block2029
Census Tract961304

Owner

Source: Highlands County records, as of May 21, 2026

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 Address1311 KARLO ST, SEBRING, FL 33875-5752
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2026Deed of Trust, Mortgage · VA Mortgage
PENTAGON FCU
Feb 5, 2024Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
May 26, 2023Affidavit of Death of Joint Tenant, Transfer
ATTORNEY ONLY, ATTORNEY
May 26, 2023Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Feb 2, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 5, 2024 · Amount on Record
Deed SaleFeb 5, 2024 · Amount on Record
Deed Document Number20242188642
Deed Book / Page3024 / 198
Prior Transfer DateFeb 2, 2023
Prior Transfer Doc0002135141
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address1311 KARLO ST, SEBRING, FL 33875-5752
Transaction TypeMortgage
Record UpdatedApr 17, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1311 KARLO ST, SEBRING, FL 33875-5752
InvestorPossibly a Property Investor

Mortgage

Document Number0002306176
DateMar 31, 2026
Book Page3182/1837
Instrument2306176
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 5, 2024
Property Address1311 KARLO ST, SEBRING, FL 33875-5752
Document Number0002188642
Book / Page3024 / 198
Map ReferenceMB 7 PG 42
Instrument DateFeb 5, 2024
Instrument2188642
Transaction TypeTransfer
Record UpdatedFeb 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address551 S COMMERCE AVE, SEBRING, FL 33870-3869

Transferred To (Grantee/Buyer)

NameVerified Name
Address1311 KARLO ST, SEBRING, FL 33875-5752
InvestorPossibly a Property Investor

Mortgage

Document Number0003024200
DateFeb 5, 2024
Instrument3024/200
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2054

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionHIGHLANDS FL
Recording DateMay 26, 2023
Property Address1311 KARLO ST, SEBRING, FL 33875-5752
Document Number0002153005
Book / Page2977 / 1223
Map ReferenceMB 7 PG 42
Instrument DateMay 25, 2023
Instrument2153005
Transaction TypeTransfer
Record UpdatedJun 13, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMay 26, 2023
Property Address1311 KARLO ST, SEBRING, FL 33875-5752
Document Number0002153007
Book / Page2977 / 1225
Map ReferenceMB 7 PG 42
Instrument DateMay 25, 2023
Instrument2153007
Transaction TypeTransfer
Record UpdatedJun 13, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6201 APPLE RD, SEBRING, FL 33875-6168

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 S COMMERCE AVE, SEBRING, FL 33870-3869

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHIGHLANDS FL
Recording DateFeb 2, 2023
Property Address1311 KARLO ST, SEBRING, FL 33875-5752
Document Number0002135141
Book / Page2955 / 569
Map ReferenceMB 7 PG 42
Instrument DateFeb 2, 2023
Instrument2135141
Transaction TypeTransfer
Record UpdatedFeb 13, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1311 KARLO ST, SEBRING, FL 33875-5752

Transferred To (Grantee/Buyer)

NameVerified Name
Address6201 APPLE RD, SEBRING, FL 33875-6168

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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$105,268 (+65.13%) Land $14,000 Building $91,268$105,268 (-25.04%) Land $14,000 Building $91,268
2024$2,040.00
2023Homeowner's exemption Widower's exemption$63,748 (+3%)$140,427 (+9.44%) Land $14,000 Building $126,427
2022$700.00 Homeowner's exemption Widower's exemption$61,891$128,314 Land $14,000 Building $114,314

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies17 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.

Wildfire

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

Wildfire RiskHigh
above 72% of the US · above 55% of Florida
Wildfire Likelihood0.3% 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 69 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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