1815 Karen Blvd, Sebring, FL 33870 Property Records

Highlands County property record for 1815 Karen Blvd, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,210 sqft · built 1980
Lot Size	0.667 acres (29,040 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Aug 2013)
Tax Bill	$1,817 (2025)
Deeds & Mortgages	Nov 2018 Loan Modification Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C104806202100040`

Property Details

APN / Parcel Number

Primary APN	`C104806202100040`
Alternative APN	`C-10-34-28-062-0210-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,210 sqft Living Area
Gross Area	2,739 sqft
1st Floor Area	1,957 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1991
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	29,040 sqft (0.667 acres)
Lot Dimensions	182 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	529 sqft
Driveway	Concrete Driveway
Driveway Area	792 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Florida Room
Porch Area	324 sqft
Patio Area	1,656 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1815 KAREN BLVD
City	SEBRING
State	FL
Zip	33870-7822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUB OF TR 9 BLK 21 SEBRING RIDGE SEC G PB 13-PG 6 LOTS 4 + 5 BLK 21
Legal Range	28E
Legal Township	34S
Legal Section	10
Legal Subdivision	SEBRING RIDGE SEC G REPLAT
Legal Tract	9
Legal Block	21
Legal Lot Number	4,5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2024
Census Tract	960104

Owner

1815 Karen Blvd is owned and occupied by an individual who bought it in August 2013.

Source: Highlands County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	1815 KAREN BLVD, SEBRING, FL 33870-7822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Jul 1, 2017	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2013 · Amount on File
Deed Sale	Aug 26, 2013 · Amount on File
Prior Sale	Jan 22, 2013 · Amount on File
Deed Document Number	20131707164
Deed Book / Page	2394 / 1637
Prior Transfer Date	Mar 11, 2005
Prior Transfer Doc	0001307776
Record Updated	Oct 29, 2026

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	1815 KAREN BLVD, SEBRING, FL 33870-7822
Document Number	0001918189
Instrument Date	Nov 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 KAREN BLVD SEBRING FL 338707822, SEBRING, FL 33870-7822

Mortgage

Document Number	0001918189
Date	Nov 13, 2018
Book Page	002664/000968
Instrument	1918189

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	1815 KAREN BLVD, SEBRING, FL 33870-7822
Document Number	0001882098
Book / Page	002618 / 001022
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Feb 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 KAREN BLVD SEBRING FL 338707822, SEBRING, FL 33870-7822

Mortgage

Document Number	0001882098
Date	Jan 29, 2018
Book Page	002618/001022
Instrument	1882098

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	1815 KAREN BLVD, SEBRING, FL 33870-7822
Document Number	0001862683
Book / Page	002594 / 000878
Instrument Date	Jul 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 KAREN BLVD SEBRING FL 338707822, SEBRING, FL 33870-7822

Mortgage

Document Number	0001862683
Date	Aug 14, 2017
Book Page	002594/000878
Instrument	1862683

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 13, 2042

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1815 Karen Blvd was $1,817 with a homeowner's exemption, up 3.1% from the year before.

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,817.00 (+3.12%) Homeowner's exemption	$146,595	$265,986 Land $20,000 Building $245,986
2024	$1,762.00 (+3.22%)
2023	$1,707.00 (+2.09%) Homeowner's exemption	$138,315 (+3%)	$258,470 (+16.29%) Land $16,000 Building $242,470
2022	$1,672.00 Homeowner's exemption	$134,286	$222,263 Land $11,250 Building $211,013

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1815 Karen Blvd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 1815 Karen Blvd is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Rapid Systems Fixed Wireless	50 / 10

May also be available: AT&T, CenturyLink, Xfinity.

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