312 N Commerce Ave, Sebring, FL 33870 Property Records

Highlands County property record for 312 N Commerce Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,103 sqft · built 1930
Lot Size	0.161 acres (7,024 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Sep 2020)
Tax Bill	$222 (2024)
Deeds & Mortgages	Dec 2023 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S294907004600120`

Property Details

APN / Parcel Number

Primary APN	`S294907004600120`
Alternative APN	`S-29-34-29-070-0460-0120`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,103 sqft
1st Floor Area	1,103 sqft

Exterior

Year Built	Built 1930
Lot Area	7,024 sqft (0.161 acres)
Lot Dimensions	146 ft deep x 50 ft wide
Garage Area	216 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	S294907004600120
Street Address	312 N COMMERCE AVE
City	SEBRING
State	FL
Zip	33870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	TOWN OF SEBRING-TRANS BK-PG 6 LOT 12 BLK 46
Legal Range	29E
Legal Township	34S
Legal Section	29
Legal Subdivision	LIMETREE VILLAS
Legal Block	46
Legal Lot Number	12
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3035
Census Tract	960800

Owner

312 N Commerce Ave is owned by an individual who acquired it in December 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2945 HARNAGE RD, AVON PARK, FL 33825-9604
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

Date	Document
Dec 4, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 9, 2020	Warranty Deed, Transfer · Commercial Mortgage HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Sep 9, 2020 · Amount on File
Deed Document Number	0001998004
Deed Book / Page	2772 / 25
Last Transfer Date	Dec 4, 2023
Transfer Doc	0002180508
Record Updated	Jun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 4, 2023
Property Address	312 N COMMERCE AVE, SEBRING, FL 33870
Document Number	0002180508
Book / Page	3013 / 560
Map Reference	MB 3 PG 1
Instrument Date	May 1, 2023
Instrument	2180508
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2945 HARNAGE RD, AVON PARK, FL 33825-9604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 HARNAGE RD, AVON PARK, FL 33825-9604

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 9, 2020
Property Address	312 N COMMERCE AVE, SEBRING, FL 33870
Document Number	0001998004
Book / Page	2772 / 25
Map Reference	MB 3 PG 1
Instrument Date	Sep 3, 2020
Instrument	1998004
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1806 STATE ROAD 17 S, 1806, AVON PARK, FL 33825-9679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 HARNAGE RD, AVON PARK, FL 33825-9604

Mortgage

Document Number	0027720027
Date	Sep 9, 2020
Instrument	2772/0027

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 3, 2025

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		$10,200 Land $9,900 Building $300	$10,200 Land $9,900 Building $300
2024	$222.00 (+0.45%)
2023	$221.00 (+1.84%)	$10,200 (-) Land $9,900 Building $300	$10,200 (-) Land $9,900 Building $300
2022	$217.00	$10,200 Land $9,900 Building $300	$10,200 Land $9,900 Building $300

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

Flood

FEMA maps place 312 N Commerce Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 312 N Commerce Ave is low, with 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 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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