227 N Commerce Ave, Sebring, FL 33870 Property Records

Highlands County property record for 227 N Commerce Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,246 sqft · built 1925
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Mar 2025)
Tax Bill	$4,136 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S-29-34-29-070-0600-0040`

Property Details

APN / Parcel Number

Primary APN	`S-29-34-29-070-0600-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,246 sqft Living Area
1st Floor Area	1,092 sqft
2nd Floor Area	530 sqft
Upper Floors Area	660 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1975
Exterior Material	Aluminum Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	780 sqft
Driveway	Driveway
Driveway Area	2,000 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	130 sqft
Patio Area	132 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	227 N COMMERCE AVE
City	SEBRING
State	FL
Zip	33870-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	TOWN OF SEBRING-TRANS BK-PG 6 LOT 4 BLK 60
Legal Range	29E
Legal Township	34S
Legal Section	29
Legal Subdivision	LIMETREE VILLAS
Legal Block	60
Legal Lot Number	4
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3053
Census Tract	960800

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	Company Name on Record
Mailing Address	419 E CENTER AVE, SEBRING, FL 33870-3509
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage WAUCHULA STATE BANK
Dec 28, 2018	Deed of Trust, Mortgage FARM CREDIT SVCS
Oct 5, 2018	Loan Modification, Mortgage WAUCHULA ST BK
Apr 30, 2018	Warranty Deed, Transfer · Commercial Mortgage WAUCHULA STATE BANK
Mar 25, 2017	Loan Modification, Mortgage HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on Record
Deed Sale	Mar 3, 2025 · Amount on Record
Prior Sale	Apr 30, 2018 · Amount on Record
Deed Document Number	2246525
Deed Book / Page	3100 / 1993
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	227 N COMMERCE AVE, SEBRING, FL 33870-3204
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001958299
Date	Oct 1, 2019
Book Page	2715/1208
Instrument	1958299

Lender

Name	WAUCHULA STATE BANK
Type	Bank
Address	SEBRING, FL 33872

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Sep 11, 2039

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	227 N COMMERCE AVE, SEBRING, FL 33870-3204
Document Number	0001923299
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3346 SEBRING FL 338713346, SEBRING, FL 33871-3346

Mortgage

Document Number	0001923299
Date	Dec 28, 2018
Book Page	002671/000787
Instrument	1923299

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	227 N COMMERCE AVE, SEBRING, FL 33870-3204
Document Number	0001916945
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	227 N COMMERCE AVE SEBRING FL 338703204, SEBRING, FL 33870-3204

Mortgage

Document Number	0001916945
Date	Nov 1, 2018
Book Page	002662/001911
Instrument	1916945

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	SEBRING, FL 33872

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 31, 2038

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 30, 2018
Property Address	227 N COMMERCE AVE, SEBRING, FL 33870-3204
Document Number	0001894488
Book / Page	2633 / 0523
Map Reference	MB3 PG1
Instrument Date	Apr 16, 2018
Instrument	1894488
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	SOUTH RIDGRE ABSTRACT AND TI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2691 LAKEVIEW DR, 2691, SEBRING, FL 33870-4996

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3346, SEBRING, FL 33871-3346

Mortgage

Document Number	0001894489
Date	Apr 30, 2018
Instrument	1894489

Lender

Name	WAUCHULA STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Oct 5, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	227 N COMMERCE AVE, SEBRING, FL 33870-3204
Document Number	0001848676
Book / Page	002574 / 000976
Instrument Date	Mar 25, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	227 N COMMERCE AVE SEBRING FL 338703204, SEBRING, FL 33870-3204

Mortgage

Document Number	0001848676
Date	Apr 6, 2017
Book Page	002574/000976
Instrument	1848676

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Term	12 Months
Due	Apr 5, 2018

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$211,998 (+1.05%) Land $25,000 Building $186,998	$211,998 (+1.05%) Land $25,000 Building $186,998
2024	$4,136.00 (+6%)
2023	$3,902.00 (+12.26%)	$209,786 (+14.67%) Land $25,000 Building $184,786	$209,786 (+14.67%) Land $25,000 Building $184,786
2022	$3,476.00	$182,943 Land $25,000 Building $157,943	$182,943 Land $25,000 Building $157,943

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 205 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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