2201 Gem Stone Ave, Lorida, FL 33857 Property Records

Highlands County property record for 2201 Gem Stone Ave, Lorida, FL 33857

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,997 sqft · built 2002
Lot Size	4.32 acres (188,179 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,629 (2024)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-04-35-31-010-0020-0160`

Property Details

APN / Parcel Number

Primary APN	`C-04-35-31-010-0020-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,997 sqft Living Area
1st Floor Area	1,601 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	188,179 sqft (4.32 acres)
Lot Dimensions	631 ft deep x 298 ft wide
Garage Type	Finished
Garage Area	604 sqft
Driveway	Driveway
Driveway Area	1,440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	147 sqft
Deck Area	504 sqft
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2201 GEM STONE AVE
City	LORIDA
State	FL
Zip	33857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	FLORIDA HIGHLANDS PB 5-PG 64 LOT 16 BLK 2
Legal Range	31E
Legal Township	35S
Legal Section	04
Legal Subdivision	FLORIDA HIGHLANDS
Legal Block	2
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1016
Census Tract	961000

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	2 Individual Names on Record
Mailing Address	2100 HICKS RD, LORIDA, FL 33857-8613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 1999
Deed Sale	Jun 2, 1999
Deed Document Number	0014571231
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 21, 2026
Property Address	2201 GEM STONE AVE, LORIDA, FL 33857
Document Number	0002327408
Book / Page	3213 / 759
Instrument Date	Aug 17, 2026
Instrument	20262327408
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 GEM STONE AVE, LORIDA, FL 33857

Mortgage

Document Number	0002327408,
Date	Aug 21, 2026
Book Page	3213/759
Instrument	20262327408

Lender

Name	BANK TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$138,335 (+5.99%)	$302,140 (+17.53%) Land $58,320 Building $243,820
2024	$1,629.00 (+3.17%)
2023	$1,579.00 (+2.33%) Homeowner's exemption	$130,520 (+3%)	$257,076 (+4.77%) Land $44,712 Building $212,364
2022	$1,543.00 Homeowner's exemption	$126,718	$245,369 Land $44,712 Building $200,657

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

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	2 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 Risk	Moderate above 67% of the US · above 46% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20