Highlands County property record for 1511 Karlo St, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,560 sqft · built 2002 |
| Lot Size | 0.817 acres (35,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jun 2021) |
| Tax Bill | $419 (2024) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Sep 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C185901000200250 |
| Primary APN | C185901000200250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,560 sqft Living Area |
| 1st Floor Area | 1,287 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 35,602 sqft (0.817 acres) |
| Lot Dimensions | 150 ft deep x 85 ft wide |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Driveway | Driveway |
| Driveway Area | 646 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 264 sqft |
| Porch | Enclosed Porch |
| Porch Area | 285 sqft |
| Deck Area | 144 sqft |
| Patio Area | 456 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C185901000200250 |
|---|---|
| Street Address | 1511 KARLO ST |
| City | SEBRING |
| State | FL |
| Zip | 33875-5757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | MARTHA ESTATES PB 7-PG 42 LOTS 25-26-27 BLK 2 + 3/92 INTEREST IN PARK |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 18 |
| Legal Subdivision | MARTHA ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 25-27 26 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 961304 |
1511 Karlo St is owned and occupied by an individual who bought it in June 2021.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1511 KARLO ST, SEBRING, FL 33875-5757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 6, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jan 17, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jun 26, 2017 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on File |
| Deed Sale | Jun 25, 2021 · Amount on File |
| Prior Sale | Dec 13, 2006 |
| Deed Document Number | 2040922 |
| Deed Book / Page | 2832 / 1505 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 25, 2021 |
| Property Address | 1511 KARLO ST, SEBRING, FL 33875-5757 |
| Document Number | 0002040922 |
| Book / Page | 2832 / 1505 |
| Map Reference | MB 7 PG 42 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 2040922 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1500 LAMBEAU AVE, 1500, SEBRING, FL 33875-4633 |
| Name | Verified Name |
|---|---|
| Address | 3360 TAHITIAN AVE, MEDFORD, OR 97504-4913 |
| Document Number | 0028321507 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2832/1507 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1511 KARLO ST, SEBRING, FL 33875-5757 |
| Document Number | 0001956262 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1511 KARLO ST SEBRING FL 338755757, SEBRING, FL 33875-5757 |
| Document Number | 0001956262 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 002713/000011 |
| Instrument | 1956262 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 16, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1511 KARLO ST, SEBRING, FL 33875-5757 |
| Document Number | 0001926838 |
| Instrument Date | Jan 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1511 KARLO ST SEBRING FL 338755757, SEBRING, FL 33875-5757 |
| Document Number | 0001926838 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 002675/001011 |
| Instrument | 1926838 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 28, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1511 KARLO ST, SEBRING, FL 33875-5757 |
| Document Number | 0001858723 |
| Book / Page | 002588 / 001575 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1511 KARLO ST SEBRING FL 338755757, SEBRING, FL 33875-5757 |
| Document Number | 0001858723 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 002588/001575 |
| Instrument | 1858723 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | PO BOX 8008, LAKELAND, FL 33802-8008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 9, 2037 |
| Rate Type | Adjustable Rate |
|---|
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 | $255,823 Land $37,128 Building $218,695 | $255,823 Land $37,128 Building $218,695 | |
| 2024 | $419.00 (+8.83%) | ||
| 2023 | $385.00 (+4.62%) Disabled Person's exemption Veteran's exemption | $307,509 (+16.68%) | $329,457 (+25.01%) Land $37,128 Building $292,329 |
| 2022 | $368.00 Disabled Person's exemption Veteran's exemption | $263,550 Land $37,128 Building $226,422 | $263,550 Land $37,128 Building $226,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1511 Karlo St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 1511 Karlo St is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
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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