2524 Gem Stone Ave, Lorida, FL 33857 Property Records

Highlands County property record for 2524 Gem Stone Ave, Lorida, FL 33857

Property Summary

Property Type	Other
Details	360 sqft · built 1995
Lot Size	4.79 acres (208,737 sqft)
Owner	Individual Name on File
Last Sale	$37,500 (Oct 2018)
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-04-35-31-010-0030-0030`

Property Details

APN / Parcel Number

Primary APN	`C-04-35-31-010-0030-0030`

Interior

Total Rooms	2 Rooms
Stories	1 Story
Building Area	360 sqft Gross Area
1st Floor Area	1,140 sqft
Office	360 sqft
Flooring	Concrete/Cement
Interior Walls	Unfinished

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Metal
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Slate
Lot Area	208,737 sqft (4.79 acres)
Lot Dimensions	631 ft deep x 331 ft wide
Shed	1 Shed
Shed Area	35 sqft

Location & Zoning

Street Address	2524 GEM STONE AVE
City	LORIDA
State	FL
Zip	33857
Property Category	Other
Property Type	Other > Miscellaneous
Local Zoning Code	AU
Legal Description	FLORIDA HIGHLANDS PB 5-PG 64 LOT 3 BLK 3
Legal Range	31E
Legal Township	35S
Legal Section	04
Legal Subdivision	FLORIDA HIGHLANDS
Legal Tract	3
Legal Block	3
Legal Lot Number	3
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1013
Census Tract	961000

Owner

2524 Gem Stone Ave is owned by an individual who bought it in October 2018.

Source: Highlands County records, as of September 8, 2026

Owner of Record	Individual Name on File
Mailing Address	2731 NW 107TH TER, SUNRISE, FL 33322-1050
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Prior Sale	Feb 3, 2003 · Amount on File
Deed Document Number	20181914617
Deed Book / Page	2660 / 279
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 15, 2018
Property Address	2524 GEM STONE AVE, LORIDA, FL 33857
Document Number	0001914617
Book / Page	002660 / 000279
Instrument Date	Oct 11, 2018
Instrument	1914617
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	SOUTH RIDGE ABSTRACT AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2731 NW 107TH TER SUNRISE FL 333221050, SUNRISE, FL 33322-1050

Mortgage

Document Number	1914618
Date	Oct 15, 2018
Book Page	002660/000280
Instrument	1914618

Lender

Name	JOHN & LOIS MCCRACKEN
Address	2945 HARNAGE RD, AVON PARK, FL 33825-9604
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Oct 14, 2023

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 2524 Gem Stone Ave was $1,248, up 11.7% from the year before.

Source: Highlands County assessment roll, as of December 10, 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	$1,248.00 (+11.73%)	$108,305 Land $71,850 Building $36,455	$108,305 Land $71,850 Building $36,455
2024	$1,117.00 (+0.9%)
2023	$1,107.00 (+7.68%)	$87,403 (+11.19%) Land $55,085 Building $32,318	$87,403 (+11.19%) Land $55,085 Building $32,318
2022	$1,028.00	$78,609 Land $47,900 Building $30,709	$78,609 Land $47,900 Building $30,709

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

Flood

FEMA maps place 2524 Gem Stone Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 2524 Gem Stone Ave is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 17 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