3501 Bristol St, Sebring, FL 33872 Property Records

Highlands County property record for 3501 Bristol St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,679 sqft · built 2004
Lot Size	0.233 acres (10,160 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Nov 2025)
Tax Bill	$2,645 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C224802003700080`

Property Details

APN / Parcel Number

Primary APN	`C224802003700080`
Alternative APN	`C-22-34-28-020-0370-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,679 sqft Living Area
1st Floor Area	1,280 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,160 sqft (0.233 acres)
Lot Dimensions	125 ft deep x 81 ft wide
Garage Type	Finished
Garage Area	252 sqft
Driveway	Driveway
Driveway Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	242 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C224802003700080
Street Address	3501 BRISTOL ST
City	SEBRING
State	FL
Zip	33872-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING COUNTRY EST SEC 2 PB 7 PG 34 LOT 8 BLK 37
Legal Range	28E
Legal Township	34S
Legal Section	22
Legal Subdivision	SEBRING COUNTRY EST
Legal Block	37
Legal Lot Number	8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1031
Census Tract	960601

Owner

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
Co-owner	Co-owner on Record
Mailing Address	3501 BRISTOL ST, SEBRING, FL 33872-3212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 8, 2019	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Jun 20, 2013 · Amount on Record
Deed Document Number	2286984
Deed Book / Page	3155 / 1736
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 10, 2025
Property Address	3501 BRISTOL ST, SEBRING, FL 33872-3212
Document Number	0002286984
Book / Page	3155 / 1736
Map Reference	MB 7 PG 34
Instrument Date	Nov 7, 2025
Instrument	2286984
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 SE BUSTER CT, ARCADIA, FL 34266-7985

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3501 BRISTOL ST, SEBRING, FL 33872-3212

Mortgage

Document Number	0031551738
Date	Nov 10, 2025
Instrument	3155/1738

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3501 BRISTOL ST, SEBRING, FL 33872-3212
Document Number	0001960227
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3501 BRISTOL ST SEBRING FL 338723212, SEBRING, FL 33872-3212

Mortgage

Document Number	0001960227
Date	Oct 16, 2019
Book Page	002718/000450
Instrument	1960227

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$211,367 (+3.83%) Land $20,250 Building $191,117	$211,367 (+3.83%) Land $20,250 Building $191,117
2024	$2,645.00 (-6.17%)
2023	$2,819.00 (+9.48%)	$203,568 (+17.94%) Land $11,340 Building $192,228	$203,568 (+17.94%) Land $11,340 Building $192,228
2022	$2,575.00	$172,605 Land $10,125 Building $162,480	$172,605 Land $10,125 Building $162,480

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 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	5 in force
Nearby Flood Claims	6 (1998–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW HARMONY M H P private · serves 26 people · EPA ID FL6532235
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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