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316 Rail Ave, Sebring, FL 33870 Property Records

Highlands County property record for 316 Rail Ave, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,032 sqft · built 1972
Lot Size0.359 acres (15,649 sqft)
OwnerIndividual Name on Record
Last Sale$165,000 (Mar 2022)
Tax Bill$1,627 (2024)
Deeds & MortgagesMay 2026 Mortgage
Dec 2023 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APNC-26-34-28-020-0000-8451

Property Details

APN / Parcel Number

Primary APNC-26-34-28-020-0000-8451

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,032 sqft Living Area
Gross Area1,320 sqft
1st Floor Area816 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1984
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area15,649 sqft (0.359 acres)
Lot Dimensions161 ft deep x 97 ft wide
Garage TypeAttached
Garage Area288 sqft
DrivewayConcrete Driveway
Driveway Area250 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area284 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address316 RAIL AVE
CitySEBRING
StateFL
Zip33870-0136
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionSEBRING HILLS PB 6-PG 2 E 1/2 OF LOT 845 + ALL LOT 846
Legal Range28E
Legal Township34S
Legal Section26
Legal SubdivisionSEBRING HILLS
Legal Lot Number846
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group1
Census Block1010
Census Tract960602

Owner

Source: Highlands County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address316 RAIL AVE, SEBRING, FL 33870-0136
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 6, 2026Deed of Trust, Mortgage · FHA Mortgage
SERVICELINK
Dec 19, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 16, 2022Deed of Trust, Mortgage · Commercial Mortgage
BOARD OF COUNTY COMMISSIONERS OF HIGHLAN
Mar 16, 2022Warranty Deed, Transfer · FHA Mortgage
CELEBRITY HOME LOANS LLC
Sep 27, 2018Loan Modification, Mortgage · Conventional with PMI
MR COOPER
May 25, 2017Warranty Deed, Transfer · Conventional Mortgage
METROPLEX MORTGAGE SERVICES INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 16, 2022 · Amount on Record
Deed SaleMar 16, 2022 · Amount on Record
Prior SaleMay 25, 2017 · Amount on Record
Deed Document Number20222083157
Deed Book / Page2891 / 686
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Recording DateMay 6, 2026
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Document Number0002311902
Book / Page3191 / 373
Instrument DateApr 8, 2026
Instrument20262311902
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RAIL AVE, SEBRING, FL 33870-0136

Mortgage

Document Number0002311902,
DateMay 6, 2026
Book Page3191/373
Instrument20262311902
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term311 Months
DueApr 1, 2052
Interest
Rate6.11%
Max Rate-1%

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Transaction TypeMortgage
Record UpdatedJan 2, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RAIL AVE, SEBRING, FL 33870-0136

Mortgage

Document Number0002182997
DateDec 19, 2023
Book Page3016/1222
Instrument2182997
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term340 Months
DueApr 1, 2052

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Transaction TypeMortgage
Record UpdatedJan 19, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RAIL AVE, SEBRING, FL 33870-0136

Mortgage

Document Number0002083159
DateMar 16, 2022
Book Page2891/699
Instrument2083159
Lender
NameBOARD OF COUNTY COMMISSIONERS OF HIGHLAN
TypeGovernment Agency
AddressSEBRING, FL 33871
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term421 Months
DueApr 1, 2057

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMar 16, 2022
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Document Number0002083157
Book / Page2891 / 686
Map ReferenceMB 6 PG 2
Instrument DateMar 16, 2022
Instrument2083157
Transaction TypeTransfer
Record UpdatedJan 19, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1808 GARDENIA RD, SEBRING, FL 33875-6032

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RAIL AVE, SEBRING, FL 33870-0136

Mortgage

Document Number0002083158
DateMar 16, 2022
Book Page2891/688
Instrument2083158
Lender
NameCELEBRITY HOME LOANS LLC
TypeNon-Lending Institution
AddressVILLA PARK, IL 60181
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Document Number0001921800
Instrument DateSep 27, 2018
Transaction TypeMortgage
Record UpdatedDec 28, 2018
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RAIL AVE SEBRING FL 338700136, SEBRING, FL 33870-0136

Mortgage

Document Number0001921800
DateDec 14, 2018
Book Page002669/000607
Instrument1921800
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 13, 2048
Interest
Rate TypeFixed Rate
Rate3.87%

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMay 25, 2017
Property Address316 RAIL AVE, SEBRING, FL 33870-0136
Document Number0001854267
Book / Page2582 / 1108
Map ReferenceMB6 PG2
Instrument DateMay 19, 2017
Instrument1854267
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 933, SEBRING, FL 33871-0933

Transferred To (Grantee/Buyer)

NameVerified Name
Address1808 GARDENIA RD, SEBRING, FL 33875-6032

Mortgage

Document Number0001854268
DateMay 25, 2017
Instrument1854268
Lender
NameMETROPLEX MORTGAGE SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2047

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$137,889 (+3.22%) Land $25,594 Building $112,295$137,889 (+3.22%) Land $25,594 Building $112,295
2024$1,627.00 (+2.52%)
2023$1,587.00 (-8.11%) Homeowner's exemption$133,591 (+20.83%) Land $20,475 Building $113,116$133,591 (+20.83%) Land $20,475 Building $113,116
2022$1,727.00$110,563 Land $15,356 Building $95,207$110,563 Land $15,356 Building $95,207

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 231 locations within half a mile, as of December 31, 2025

ProviderMax 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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