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1828 Elf Dr, Sebring, FL 33875 Property Records

Highlands County property record for 1828 Elf Dr, Sebring, FL 33875 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,666 sqft · built 2001
Lot Size0.256 acres (11,161 sqft)
OwnerIndividual Name on File
Tax Bill$1,159 (2024)
Deeds & MortgagesDec 2019 Line of Credit
Oct 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APNC-05-35-29-130-0000-0320

Property Details

APN / Parcel Number

Primary APNC-05-35-29-130-0000-0320

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,666 sqft Living Area
1st Floor Area1,372 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialSlate
Lot Area11,161 sqft (0.256 acres)
Lot Dimensions140 ft deep x 80 ft wide
Garage TypeFinished
Garage Area460 sqft
DrivewayDriveway
Driveway Area960 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area312 sqft
Deck Area240 sqft
Patio Area240 sqft
FenceFence
Shed1 Shed
Shed Area48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address1828 ELF DR
CitySEBRING
StateFL
Zip33875-5510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFRANCIS SPARTA EST PB 13 PG 51 LOT 32
Legal Range29E
Legal Township35S
Legal Section05
Legal SubdivisionFRANCIS SPARTA EST
Legal Lot Number32
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group1
Census Block1044
Census Tract961303

Owner

Source: Highlands County records · APN C-05-35-29-130-0000-0320

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1828 ELF DR, SEBRING, FL 33875-5510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 02, 2019Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Oct 09, 2018Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 11, 2000
Deed SaleMay 11, 2000
Deed Document Number1060378
Record UpdatedJun 08, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address1828 ELF DR, SEBRING, FL 33875-5510
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001965702
DateDec 02, 2019
Book Page2725/1487
Instrument1965702
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressSAN FRANCISCO, CA 94108
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueDec 02, 2024
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address1828 ELF DR, SEBRING, FL 33875-5510
Document Number0001915307
Instrument DateOct 09, 2018
Transaction TypeMortgage
Record UpdatedOct 30, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address1828 ELF DR SEBRING FL 338755510, SEBRING, FL 33875-5510

Mortgage

Document Number0001915307
DateOct 19, 2018
Book Page002660/001844
Instrument1915307
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueOct 18, 2033
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$104,114 (+5.99%)$201,109 (-8.85%) Land $10,000 Building $191,109
2024$1,159.00 (+3.95%)
2023$1,115.00 (+4.89%) Homeowner's exemption$98,233 (+4.61%)$220,644 (+31.2%) Land $8,500 Building $212,144
2022$1,063.00 Homeowner's exemption$93,905$168,172 Land $6,500 Building $161,672

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559613031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force

Wildfire

Wildfire RiskHigh
above 70% of the US · above 51% of Florida
Wildfire LikelihoodAbout 1 in 226 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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