3512 Kearly Ave, Sebring, FL 33875 Property Records

Highlands County property record for 3512 Kearly Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 5,465 sqft · built 2021
Lot Size	1.07 acres (46,817 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,800 (Jan 2019)
Tax Bill	$9,681 (2024)
Deeds & Mortgages	Aug 2020 Construction Loan Jan 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S-02-35-28-030-0970-0010`

Property Details

APN / Parcel Number

Primary APN	`S-02-35-28-030-0970-0010`
Alternative APN	`C02352803009700010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	5,465 sqft Living Area
Flooring	Cork
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	46,817 sqft (1.07 acres)
Lot Dimensions	140 ft deep x 86 ft wide
Garage Type	Finished
Garage Area	834 sqft
Driveway	Driveway
Driveway Area	1,596 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Patio Area	576 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C02352803009700010
Street Address	3512 KEARLY AVE
City	SEBRING
State	FL
Zip	33875-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKEWOOD TERRACE SH 1 PB 2-PG 50 PARCEL 1 AKA-ALL LOT 13 + WLY PORT LOT 14 BLK 97
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERRACE SH 01
Legal Block	97
Legal Lot Number	13 16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1015
Census Tract	961301

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	2 Individual Names on Record
Mailing Address	3512 KEARLY AVE, SEBRING, FL 33875-4629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
Jan 16, 2019	Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE
May 21, 2018	Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2019 · Amount on Record
Deed Sale	Jan 16, 2019 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	1925497
Deed Book / Page	2673 / 1877
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3512 KEARLY AVE, SEBRING, FL 33875-4629
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	HEARTLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001995724
Date	Aug 20, 2020
Book Page	2768/1389
Instrument	1995724

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	May 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 16, 2019
Property Address	3512 KEARLY AVE, SEBRING, FL 33875-4629
Document Number	0001925497
Book / Page	002673 / 001877
Instrument Date	Jan 15, 2019
Instrument	1925497
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$215.60
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9101 US HIGHWAY 98 SEBRING FL 338766712, SEBRING, FL 33876-6712

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 21, 2018
Property Address	3512 KEARLY AVE, SEBRING, FL 33875-4629
Document Number	0001897359
Book / Page	002637 / 000241
Instrument Date	May 3, 2018
Instrument	1897359
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	SOUTH RIDGE ABSTRACT AND TITLE

Transaction

Amount	Amount Recorded
Tax	$175.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1109 ASTON MARTIN DR SEBRING FL 338723024, SEBRING, FL 33872-3024

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$535,586 (+44.76%)	$591,257 (+49.52%) Land $70,168 Building $521,089
2024	$9,681.00 (+41.76%)
2023	$6,829.00 (+4.37%) Homeowner's exemption	$369,982 (+3%)	$395,441 (+10.09%) Land $43,180 Building $352,261
2022	$6,543.00 Homeowner's exemption	$359,206 Land $43,180 Building $316,026	$359,206 Land $43,180 Building $316,026

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	6 (2004–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.09% 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	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	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	19 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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