346 Tern Ave, Sebring, FL 33870 Property Records

Highlands County property record for 346 Tern Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 2024
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual on Record
Last Sale	$264,000 (Jun 2024)
Tax Bill	$453 (2024)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Nov 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C354801000400030`

Property Details

APN / Parcel Number

Primary APN	`C354801000400030`
Alternative APN	`C-35-34-28-010-0040-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,204 sqft Living Area
Gross Area	1,568 sqft
1st Floor Area	1,204 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	364 sqft
Driveway	Driveway
Driveway Area	385 sqft
Porch	Open Porch
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	346 TERN AVE
City	SEBRING
State	FL
Zip	33870-5925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING HILLS SOUTH PB 8-PG 93 LOT 3 BLK 4
Legal Range	28E
Legal Township	34S
Legal Section	35
Legal Subdivision	SEBRING HILLS SO
Legal Block	4
Legal Lot Number	3
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4051
Census Tract	960602

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	1303 S LIBERTY AVE, K, HOMESTEAD, FL 33034-2645
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2024	Warranty Deed, Transfer · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC
Nov 3, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 3, 2022	Correction Deed ATTORNEY ONLY, ATTORNEY
Apr 11, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 3, 2021	Warranty Deed, Transfer CAPSTONE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2024 · Amount on Record
Deed Sale	Jun 24, 2024 · Amount on Record
Prior Sale	Nov 3, 2022 · Amount on Record
Deed Document Number	20242209728
Deed Book / Page	3052 / 76
Prior Transfer Date	Oct 26, 2022
Prior Transfer Doc	0002122426
Record Updated	Sep 20, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 24, 2024
Property Address	346 TERN AVE, SEBRING, FL 33870-5925
Document Number	0002209728
Book / Page	3052 / 76
Map Reference	MB 8 PG 93
Instrument Date	Jun 20, 2024
Instrument	2209728
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6700 SPARTA RD, SEBRING, FL 33875-5569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 S LIBERTY AVE APT K, K, HOMESTEAD, FL 33034-2645

Mortgage

Document Number	0002209729
Date	Jun 24, 2024
Book Page	3052/78
Instrument	2209729

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company
Address	TAMPA, FL 33614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 3, 2022
Property Address	346 TERN AVE, SEBRING, FL 33870-5925
Document Number	0002122427
Book / Page	2939 / 1699
Map Reference	MB 8 PG 93
Instrument Date	Nov 1, 2022
Instrument	2122427
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$80.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 ROBIN LN, WINTER HAVEN, FL 33884-2589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6700 SPARTA RD, SEBRING, FL 33875-5569

November 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 3, 2022
Property Address	346 TERN AVE, SEBRING, FL 33870-5925
Document Number	0002122426
Book / Page	2939 / 1698
Map Reference	MB 8 PG 93
Instrument Date	Oct 26, 2022
Instrument	2122426
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 CROWN OAK CENTRE DR, LONGWOOD, FL 32750-6188

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 ROBIN LN, WINTER HAVEN, FL 33884-2589

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 11, 2022
Property Address	346 TERN AVE, SEBRING, FL 33870-5925
Document Number	0002087531
Book / Page	2897 / 670
Map Reference	MB 8 PG 93
Instrument Date	Apr 8, 2022
Instrument	2087531
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Amount	Amount Recorded
Tax	$49.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1546, WINTER HAVEN, FL 33882-1546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 ROBIN LN, WINTER HAVEN, FL 33884-2589

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 3, 2021
Property Address	346 TERN AVE, SEBRING, FL 33870-5925
Document Number	0002052214
Book / Page	2848 / 1859
Map Reference	MB 8 PG 93
Instrument Date	Aug 31, 2021
Instrument	2052214
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$49.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6065 LITTLE MOUNTAIN RD, SHERRILLS FORD, NC 28673-7832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1546, WINTER HAVEN, FL 33882-1546

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$194,718 (+2,133.26%) Land $9,416 Building $185,302	$194,718 (+2,133.26%) Land $9,416 Building $185,302
2024	$453.00 (+22.76%)
2023	$369.00 (+272.73%)	$8,719 (+66.68%) Land $8,719	$8,719 (+66.68%) Land $8,719
2022	$99.00	$5,231 Land $5,231	$5,231 Land $5,231

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims

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 Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

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

346 Tern Ave, Sebring, FL 33870 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2022: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Tern Ave

Nearby Streets

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