2851 Grace Ln, Sebring, FL 33875 Property Records

Highlands County property record for 2851 Grace Ln, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,673 sqft · built 2004
Lot Size	6.82 acres (297,515 sqft)
Owner	Individual Name on Record
Last Sale	$467,600 (Oct 2022)
Tax Bill	$5,116 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C-31-35-29-030-0000-0081`

Property Details

APN / Parcel Number

Primary APN	`C-31-35-29-030-0000-0081`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,673 sqft Living Area
1st Floor Area	1,629 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	297,515 sqft (6.82 acres)
Lot Dimensions	645 ft deep x 25 ft wide
Driveway	Driveway
Driveway Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	267 sqft
Patio Area	1,232 sqft
Fence	Fence
Shed	1 Shed
Shed Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2851 GRACE LN
City	SEBRING
State	FL
Zip	33875-9802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	GRESHAM HEIGHTS PB 15-PG 112 ELY 6.83 ACRES OF LOT 8
Legal Range	29E
Legal Township	35S
Legal Section	31
Legal Subdivision	GRESHAM HEIGHTS
Legal Lot Number	8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1000
Census Tract	961401

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	Individual Name on Record
Mailing Address	2851 GRACE LN, SEBRING, FL 33875-9802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · FHA Mortgage CLICK N CLOSE INC
Apr 5, 2017	Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Sep 2, 2003 · Amount on Record
Deed Document Number	2121536
Deed Book / Page	2938 / 1233
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 28, 2022
Property Address	2851 GRACE LN, SEBRING, FL 33875-9802
Document Number	0002121536
Book / Page	2938 / 1233
Map Reference	MB 15 PG 112
Instrument Date	Oct 27, 2022
Instrument	2121536
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,273.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2851 GRACE LN, 2851, SEBRING, FL 33875-9802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 GRACE LN, SEBRING, FL 33875-9802

Mortgage

Document Number	0029381235
Date	Oct 28, 2022
Instrument	2938/1235

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	2851 GRACE LN, SEBRING, FL 33875-9802
Document Number	0001852315
Book / Page	002579 / 001470
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2851 GRACE LN SEBRING FL 338759802, SEBRING, FL 33875-9802

Mortgage

Document Number	0001852315
Date	May 8, 2017
Book Page	002579/001470
Instrument	1852315

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	SEBRING, FL 33872

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 7, 2022

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		$395,158 (-1.59%) Land $119,510 Building $275,648	$395,158 (-1.59%) Land $119,510 Building $275,648
2024	$5,116.00 (-1.63%)
2023	$5,201.00 Homeowner's exemption	$401,560 (+197.93%) Land $77,520 Building $324,040	$401,560 (+60.86%) Land $77,520 Building $324,040
2022	Homeowner's exemption	$134,784	$249,634 Land $64,600 Building $185,034

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (2017–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

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 68% of the US · above 48% 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.

Drinking Water

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

Water System	LAKE JOSEPHINE HEIGHTS private · serves 1,325 people · EPA ID FL6280162
Water Source	Groundwater
Last State Inspection	Jan 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	2 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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