204 E Charles St, Avon Park, FL 33825 Property Records

Highlands County property record for 204 E Charles St, Avon Park, FL 33825

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,136 sqft · built 1966
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2022)
Tax Bill	$1,682 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A-23-33-28-040-0020-00A2`

Property Details

APN / Parcel Number

Primary APN	`A-23-33-28-040-0020-00A2`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	900 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	315 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	260 sqft
Patio Area	120 sqft
Fence	Fence
Shed	1 Shed
Shed Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	204 E CHARLES ST
City	AVON PARK
State	FL
Zip	33825-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	CIRCLE TERRACE PB 7-PG 9 E 70 FT OF W 210 FT OF N 136.3 FT OF TRACT A BLK 2
Legal Range	28E
Legal Township	33S
Legal Section	23
Legal Subdivision	CIRCLE TERRACE
Legal Tract	A
Legal Block	2
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2049
Census Tract	960200

Owner

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
Mailing Address	204 E CHARLES ST, AVON PARK, FL 33825-2804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Mar 16, 2018
Deed Document Number	2100226
Deed Book / Page	2912 / 1716
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 15, 2022
Property Address	204 E CHARLES ST, AVON PARK, FL 33825-2804
Document Number	0002100226
Book / Page	2912 / 1716
Map Reference	MB 7 PG 9
Instrument Date	May 13, 2022
Instrument	2100226
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 ARMOUR DR, 813, CIBOLO, TX 78108-4319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E CHARLES ST, AVON PARK, FL 33825-2804

Mortgage

Document Number	0029121718
Date	Jun 15, 2022
Instrument	2912/1718

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	204 E CHARLES ST, AVON PARK, FL 33825-2804
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E CHARLES ST, AVON PARK, FL 33825-2804

Mortgage

Document Number	0002075345
Date	Jan 28, 2022
Book Page	2880/1228
Instrument	2075345

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.99%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.99%
Index	Other
Max Rate	6.99%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	204 E CHARLES ST, AVON PARK, FL 33825-2804
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204E E CHARLES ST, AVON PARK, FL 33825-2804

Mortgage

Document Number	0002036100
Date	May 26, 2021
Book Page	2826/149
Instrument	2036100

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 16, 2018
Property Address	204 E CHARLES ST, AVON PARK, FL 33825-2804
Document Number	0001888823
Book / Page	002626 / 000692
Instrument Date	Mar 15, 2018
Instrument	1888823
Transaction Type	Transfer
Record Updated	Apr 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 E CHARLES ST AVON PARK FL 338252804, AVON PARK, FL 33825-2804

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Avon Park City
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		$130,248 (+6.18%)	$141,382 (+15.25%) Land $6,930 Building $134,452
2024	$1,682.00 (+5.99%)
2023	$1,587.00 (+280.58%) Homeowner's exemption	$122,670 (+158.84%) Land $4,158 Building $118,512	$122,670 (+18.14%) Land $4,158 Building $118,512
2022	$417.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$47,393	$103,832 Land $4,158 Building $99,674

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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	7 in force
Nearby Flood Claims	3 (1998–2014)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2014 · river or lake flooding

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 Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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