3 E Charles St, Avon Park, FL 33825 Property Records

Highlands County property record for 3 E Charles St, Avon Park, FL 33825

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 923 sqft · built 1954
Lot Size	0.331 acres (14,452 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Aug 2023)
Tax Bill	$2,126 (2024)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A223801000200042`

Property Details

APN / Parcel Number

Primary APN	`A223801000200042`
Alternative APN	`A-22-33-28-010-0020-0042`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	923 sqft Living Area
1st Floor Area	780 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1972
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	14,452 sqft (0.331 acres)
Lot Dimensions	130 ft deep x 110 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	128 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	A223801000200042
Street Address	3 E CHARLES ST
City	AVON PARK
State	FL
Zip	33825-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	TOWN OF AVON PARK IN 22-33-28 E 110 FT OF LOT 4-LESS N 140 FT BLK 2
Legal Range	28E
Legal Township	33S
Legal Section	22
Legal Subdivision	TOWN OF AVON PARK SEC 22
Legal Block	2
Legal Lot Number	4
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	3
Census Block	3016
Census Tract	960200

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
Co-owner	Co-owner on Record
Mailing Address	3 E CHARLES ST, AVON PARK, FL 33825-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 26, 2017	Warranty Deed, Transfer · Conventional Mortgage CPM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Oct 26, 2017 · Amount on Record
Deed Document Number	2166360
Deed Book / Page	2994 / 1892
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 28, 2023
Property Address	3 E CHARLES ST, AVON PARK, FL 33825-2701
Document Number	0002166360
Book / Page	2994 / 1892
Instrument Date	Aug 10, 2023
Instrument	2166360
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 E CHARLES ST, AVON PARK, FL 33825-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E CHARLES ST, AVON PARK, FL 33825-2701

Mortgage

Document Number	0029941894
Date	Aug 28, 2023
Instrument	2994/1894

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 26, 2017
Property Address	3 E CHARLES ST, AVON PARK, FL 33825-2701
Document Number	0001870344
Book / Page	2604 / 0913
Map Reference	PG14
Instrument Date	Oct 24, 2017
Instrument	1870344
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 HIGHWAY 1023, 545, LILY, KY 40740-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E CHARLES ST, AVON PARK, FL 33825-2701

Mortgage

Document Number	0001870345
Date	Oct 26, 2017
Instrument	1870345

Lender

Name	CPM FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Avon Park City
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		$114,881 (+109.35%) Land $10,780 Building $104,101	$114,881 (+26.65%) Land $10,780 Building $104,101
2024	$2,126.00 (+317.68%)
2023	$509.00 (+6.93%) Homeowner's exemption Senior Citizen's exemption	$54,876 (+9.14%)	$90,705 (+21.29%) Land $6,468 Building $84,237
2022	$476.00 Homeowner's exemption Senior Citizen's exemption	$50,280	$74,786 Land $6,468 Building $68,318

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 97% of the US · lower than 96% 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.

Drinking Water

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

Water System	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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