Highlands County property record for 314 Rail Ave, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1972 |
| Lot Size | 0.24 acres (10,433 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $203,000 (Sep 2026) |
| Tax Bill | $1,443 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C264802000008470 |
| Primary APN | C264802000008470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,433 sqft (0.24 acres) |
| Lot Dimensions | 161 ft deep x 65 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 250 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 468 sqft |
| Patio Area | 54 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 314 RAIL AVE |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33870-0136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEBRING HILLS PB 6-PG 2 LOT 847 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 26 |
| Legal Subdivision | SEBRING HILLS |
| Legal Lot Number | 847 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 960602 |
Source: Highlands County records, as of October 13, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2114 LAKEVIEW DR, 6, SEBRING, FL 33870-3152 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 30, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2026 · Amount on Record |
| Deed Sale | Sep 30, 2026 · Amount on Record |
| Prior Sale | Feb 1, 2023 · Amount on Record |
| Deed Document Number | 20262332750 |
| Deed Book / Page | 3220 / 1819 |
| Prior Transfer Date | Jan 27, 2003 |
| Prior Transfer Doc | 0001178298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 30, 2026 |
| Property Address | 314 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0002332750 |
| Book / Page | 3220 / 1819 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 20262332750 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143,521.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0002332751, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 20262332751 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Feb 1, 2023 |
| Property Address | 314 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0002134948 |
| Book / Page | 2954 / 1992 |
| Map Reference | MB 6 PG 2 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2134948 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,354.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6700 GRANADA BLVD, SEBRING, FL 33872-1934 |
| Name | Verified Name |
|---|---|
| Address | 314 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0000029551 |
|---|---|
| Date | Feb 1, 2023 |
| Instrument | 2955/1 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
Source: Highlands County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,443.00 (-28.49%) | $124,677 (+115.55%) Land $17,062 Building $107,615 | $124,677 (+2.33%) Land $17,062 Building $107,615 |
| 2024 | $2,018.00 (+192.89%) | ||
| 2023 | $689.00 (+46.91%) Homeowner's exemption | $57,842 (+55.1%) | $121,840 (+43.32%) Land $13,650 Building $108,190 |
| 2022 | $469.00 Homeowner's exemption | $37,294 | $85,010 Land $10,238 Building $74,772 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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