2202 Gardenview Rd, Sebring, FL 33870 Property Records

Highlands County property record for 2202 Gardenview Rd, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,163 sqft · built 1979
Lot Size	0.262 acres (11,450 sqft)
Owner	2 Individual Names on File
Last Sale	$74,000 (Mar 2018)
Tax Bill	$1,447 (2024)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-13-34-28-050-2710-0120`

Property Details

APN / Parcel Number

Primary APN	`S-13-34-28-050-2710-0120`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,163 sqft Living Area
1st Floor Area	1,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,450 sqft (0.262 acres)
Lot Dimensions	156 ft deep x 77 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	340 sqft
Fence	Fence
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2202 GARDENVIEW RD
City	SEBRING
State	FL
Zip	33870-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE SEBRING SHEET 5 2/16 LOT 12 + SE 1/2 OF LOT 13 BLK 271
Legal Range	28E
Legal Township	34S
Legal Section	13
Legal Subdivision	LAKE SEBRING SHEET 5
Legal Block	271
Legal Lot Number	12
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3047
Census Tract	960700

Owner

Source: Highlands County records · APN S-13-34-28-050-2710-0120

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 Record	2 Individual Names on File
Mailing Address	2202 GARDENVIEW RD, SEBRING, FL 33870-1533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 16, 2018	Warranty Deed, Transfer MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2018 · Amount on Record
Deed Sale	Mar 30, 2018 · Amount on Record
Prior Sale	Sep 09, 2003 · Amount on Record
Deed Document Number	0026301599
Deed Book / Page	1901 / 0638
Prior Transfer Date	Sep 28, 2005
Prior Transfer Doc	1349122
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2202 GARDENVIEW RD, SEBRING, FL 33870-1533
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 GARDENVIEW RD, SEBRING, FL 33870-1533

Mortgage

Document Number	0002185375
Date	Jan 10, 2024
Book Page	3019/1586
Instrument	2185375

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 16, 2018
Property Address	2202 GARDENVIEW RD, SEBRING, FL 33870-1533
Document Number	0001892472
Book / Page	002630 / 001599
Instrument Date	Mar 30, 2018
Instrument	1892472
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$518.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2106 AVALON RD SEBRING FL 338701507, SEBRING, FL 33870-1507

Mortgage

Document Number	1892473
Date	Apr 16, 2018
Book Page	002630/001601
Instrument	1892473

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$100,060 (+5.99%)	$116,987 (+1.94%) Land $20,020 Building $96,967
2024	$1,447.00 (+5.62%)
2023	$1,370.00 (+7.54%) Homeowner's exemption	$94,408 (+3%)	$114,759 (+25.2%) Land $12,012 Building $102,747
2022	$1,274.00 Homeowner's exemption	$91,658 Land $7,608 Building $84,050	$91,658 Land $7,608 Building $84,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 17, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1998–2022)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 190 locations within half a mile of this property.

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