Highlands County property record for 321 Rail Ave, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,421 sqft · built 1979 |
| Lot Size | 0.239 acres (10,432 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Oct 2023) |
| Tax Bill | $2,406 (2024) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Aug 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C264802000008400 |
| Primary APN | C264802000008400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,432 sqft (0.239 acres) |
| Lot Dimensions | 161 ft deep x 65 ft wide |
| Garage Type | Finished |
| Garage Area | 457 sqft |
| Driveway | Driveway |
| Driveway Area | 592 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 213 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C264802000008400 |
|---|---|
| Street Address | 321 RAIL AVE |
| City | SEBRING |
| State | FL |
| Zip | 33870-0137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEBRING HILLS PB 6-PG 2 LOT 840 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 26 |
| Legal Subdivision | SEBRING HILLS |
| Legal Lot Number | 840 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 321 RAIL AVE, SEBRING, FL 33870-0137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 10, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2023 · Amount on Record |
| Deed Sale | Oct 26, 2023 · Amount on Record |
| Prior Sale | Aug 10, 2020 |
| Deed Document Number | 2175208 |
| Deed Book / Page | 3006 / 782 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 26, 2023 |
| Property Address | 321 RAIL AVE, SEBRING, FL 33870-0137 |
| Document Number | 0002175208 |
| Book / Page | 3006 / 782 |
| Map Reference | MB 6 PG 2 |
| Instrument Date | Oct 16, 2023 |
| Instrument | 2175208 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 RAIL AVE, SEBRING, FL 33870-0137 |
| Name | Verified Name |
|---|---|
| Address | 7401 SW 82ND ST APT 204S, 204S, MIAMI, FL 33143-7202 |
| Document Number | 0003006784 |
|---|---|
| Date | Oct 26, 2023 |
| Instrument | 3006/784 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 10, 2020 |
| Property Address | 321 RAIL AVE, SEBRING, FL 33870-0137 |
| Document Number | 0001994508 |
| Book / Page | 002766 / 001859 |
| Instrument Date | Aug 6, 2020 |
| Instrument | 1994508 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 321 RAIL AVE SEBRING FL 338700137, SEBRING, FL 33870-0137 |
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 | $150,246 (+144.35%) Land $17,062 Building $133,184 | $150,246 (+1.78%) Land $17,062 Building $133,184 | |
| 2024 | $2,406.00 | ||
| 2023 | Homeowner's exemption | $61,488 (+3%) | $147,621 (+19.94%) Land $13,650 Building $133,971 |
| 2022 | Homeowner's exemption | $59,697 | $123,074 Land $10,238 Building $112,836 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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