315 Walnut St, Sebring, FL 33870 Property Records

Highlands County property record for 315 Walnut St, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 932 sqft · built 1954
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Sep 2023)
Tax Bill	$2,692 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S204909012300150`

Property Details

APN / Parcel Number

Primary APN	`S204909012300150`
Alternative APN	`S-20-34-29-090-1230-0150`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	932 sqft Living Area
1st Floor Area	932 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1984
Exterior Material	Concrete/Cinder Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	310 sqft
Carport	Carport
Carport Area	310 sqft
Driveway	Concrete Driveway
Driveway Area	120 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 WALNUT ST
City	SEBRING
State	FL
Zip	33870-7019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LA PALOMA SUB PB 1-PG 44 LOT 15 + W 1/2 OF LOT 16 BLK 123
Legal Range	29E
Legal Township	34S
Legal Section	20
Legal Subdivision	LA PALOMA
Legal Block	123
Legal Lot Number	15,16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2017
Census Tract	960800

Owner

315 Walnut St is owned and occupied by two individuals who bought it in September 2023.

Source: Highlands County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 WALNUT ST, SEBRING, FL 33870-7019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 15, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Jan 12, 2012 · Amount on File
Deed Document Number	20232169420
Deed Book / Page	2998 / 1751
Prior Transfer Date	Oct 4, 2011
Prior Transfer Doc	0001633930
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 15, 2023
Property Address	315 WALNUT ST, SEBRING, FL 33870-7019
Document Number	0002169420
Book / Page	2998 / 1751
Map Reference	MB 1 PG 44
Instrument Date	Sep 5, 2023
Instrument	2169420
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 WALNUT ST, SEBRING, FL 33870-7019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 WALNUT ST, SEBRING, FL 33870-7019

Mortgage

Document Number	0029981753
Date	Sep 15, 2023
Instrument	2998/1753

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	315 WALNUT ST, SEBRING, FL 33870-7019
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002062799
Date	Nov 5, 2021
Book Page	2863/1319
Instrument	2062799

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	315 WALNUT ST, SEBRING, FL 33870-7019
Document Number	0001923403
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WALNUT ST SEBRING FL 338707019, SEBRING, FL 33870-7019

Mortgage

Document Number	0001923403
Date	Dec 31, 2018
Book Page	002671/001060
Instrument	1923403

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 30, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 315 Walnut St was $2,692, up 4.1% from the year before.

Source: Highlands County assessment roll, as of December 10, 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	$2,692.00 (+4.06%)	$115,862 Land $14,550 Building $101,312	$115,862 Land $14,550 Building $101,312
2024	$2,587.00
2023	Homeowner's exemption	$35,942 (+3%)	$94,201 (+23.07%) Land $10,912 Building $83,289
2022	$509.00 Homeowner's exemption	$34,895	$76,543 Land $10,912 Building $65,631

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 315 Walnut St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 315 Walnut St 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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