2638 Emerson Ave, Sebring, FL 33870 Property Records

Highlands County property record for 2638 Emerson Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,254 sqft · built 1940
Lot Size	0.382 acres (16,645 sqft)
Owner	Owner Name on File
Tax Bill	$5,537 (2024)
Deeds & Mortgages	Oct 2019 Line of Credit Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-32-34-29-050-5200-0060`

Property Details

APN / Parcel Number

Primary APN	`S-32-34-29-050-5200-0060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,254 sqft Living Area
1st Floor Area	1,822 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1965
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	16,645 sqft (0.382 acres)
Lot Dimensions	105 ft deep x 140 ft wide
Garage Type	Detached
Garage Area	240 sqft
Driveway	Driveway
Driveway Area	1,008 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	240 sqft
Deck Area	600 sqft
Patio Area	224 sqft
Fence	Fence
Gazebo	192 sqft
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2638 EMERSON AVE
City	SEBRING
State	FL
Zip	33870-4909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SEBRING SHORES SUB PB 3-PG 122 LOT 6 BLK 520
Legal Range	29E
Legal Township	34S
Legal Section	32
Legal Subdivision	SEBRING SHORES SUB
Legal Block	520
Legal Lot Number	6
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2002
Census Tract	961100

Owner

The current owner of 2638 Emerson Ave acquired it in September 2014.

Source: Highlands County records, as of December 12, 2025

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

Owner of Record	Owner Name on File
Mailing Address	2638 EMERSON AVE, SEBRING, FL 33870-4909
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 23, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2007
Deed Sale	Aug 27, 2007
Prior Sale	Jul 6, 2009
Deed Document Number	0001469978
Last Transfer Date	Sep 5, 2014
Transfer Doc	0001746058
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2638 EMERSON AVE, SEBRING, FL 33870-4909
Document Number	0001963077
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2638 EMERSON AVE SEBRING FL 338704909, SEBRING, FL 33870-4909

Mortgage

Document Number	0001963077
Date	Nov 7, 2019
Book Page	002722/000393
Instrument	1963077

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2638 EMERSON AVE, SEBRING, FL 33870-4909
Document Number	0001930917
Instrument Date	Feb 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2638 EMERSON AVE SEBRING FL 338704909, SEBRING, FL 33870-4909

Mortgage

Document Number	0001930917
Date	Mar 4, 2019
Book Page	002680/000980
Instrument	1930917

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 3, 2034

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		$316,420	$488,968 Land $270,900 Building $218,068
2024	$5,537.00 (+2.27%)
2023	$5,414.00 (+4.58%) Homeowner's exemption	$298,546 (+3%)	$479,321 (+23.8%) Land $270,900 Building $208,421
2022	$5,177.00 Homeowner's exemption	$289,850	$387,162 Land $220,500 Building $166,662

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

Flood

FEMA maps place 2638 Emerson Ave in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Mar 1983 · rainfall accumulation

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 2638 Emerson Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	19 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Verizon.

Nearby Properties on Emerson Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures