Highlands County property record for 320 Rail Ave, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,555 sqft · built 1973 |
| Lot Size | 0.359 acres (15,649 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $369 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C264802000008440 |
| Primary APN | C264802000008440 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,555 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,649 sqft (0.359 acres) |
| Lot Dimensions | 161 ft deep x 97 ft wide |
| Garage Type | Finished |
| Garage Area | 294 sqft |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 220 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C264802000008440 |
|---|---|
| Street Address | 320 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 844 + W 1/2 OF LOT 845 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 26 |
| Legal Subdivision | SEBRING HILLS |
| Legal Lot Number | 844 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 960602 |
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 |
|---|---|
| Mailing Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Mar 31, 2022 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2022 |
| Deed Sale | Mar 31, 2022 |
| Prior Sale | Dec 6, 2019 · Amount on Record |
| Deed Document Number | 2085407 |
| Deed Book / Page | 2894 / 1135 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0002023163 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 2807/1601 |
| Instrument | 2023163 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 31, 2022 |
| Property Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0002085407 |
| Book / Page | 2894 / 1135 |
| Map Reference | MB 6 PG 2 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2085407 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 RAIL AVE, 320, SEBRING, FL 33870-0136 |
| Name | Verified Name |
|---|---|
| Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 6, 2019 |
| Property Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0001966509 |
| Book / Page | 2726 / 1650 |
| Map Reference | MB 6 PG 2 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 1966509 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $859.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 RAIL AVE, 320, SEBRING, FL 33870-0136 |
| Name | Verified Name |
|---|---|
| Address | 320 RAIL AVE, SEBRING, FL 33870-0136 |
| Document Number | 0027261652 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2726/1652 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Highlands County assessment roll, as of July 1, 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 | $113,872 (+17.28%) | $172,357 (+9.09%) Land $25,594 Building $146,763 | |
| 2024 | $369.00 (+6.65%) | ||
| 2023 | $346.00 Disabled Person's exemption | $97,094 (+3%) | $157,992 (+20.63%) Land $20,475 Building $137,517 |
| 2022 | Disabled Person's exemption | $94,266 | $130,971 Land $15,356 Building $115,615 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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