3646 Ellington Ave, Sebring, FL 33870 Property Records

Highlands County property record for 3646 Ellington Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,254 sqft · built 2005
Lot Size	0.172 acres (7,527 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Jul 2021)
Tax Bill	$2,064 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-28-34-29-030-2350-0050`

Property Details

APN / Parcel Number

Primary APN	`S-28-34-29-030-2350-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	1,108 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,527 sqft (0.172 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Finished
Garage Area	234 sqft
Driveway	Driveway
Driveway Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	20 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3646 ELLINGTON AVE
City	SEBRING
State	FL
Zip	33870-5407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST PALMHURST SUB PB 1 PG 72 LOT 5-LESS W 5 FT BLK 235
Legal Range	29E
Legal Township	34S
Legal Section	28
Legal Subdivision	EAST PALMHURST SUB
Legal Block	235
Legal Lot Number	5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1049
Census Tract	960900

Owner

3646 Ellington Ave is owned and occupied by an individual who bought it in July 2021.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	3636 ELLINGTON AVE, SEBRING, FL 33870-5407
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 22, 2021	Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2021 · Amount on File
Deed Sale	Jul 22, 2021 · Amount on File
Prior Sale	Apr 13, 2009 · Amount on File
Deed Document Number	2045240
Deed Book / Page	2839 / 423
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3646 ELLINGTON AVE, SEBRING, FL 33870-5407
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3646 ELLINGTON AVE, SEBRING, FL 33870-5407

Mortgage

Document Number	0002283223
Date	Oct 15, 2025
Book Page	3150/1176
Instrument	2283223

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 22, 2021
Property Address	3646 ELLINGTON AVE, SEBRING, FL 33870-5407
Document Number	0002045240
Book / Page	2839 / 423
Map Reference	MB 1 PG 72
Instrument Date	Jul 21, 2021
Instrument	2045240
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3646 ELLINGTON AVE, 3646, SEBRING, FL 33870-5407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3636 ELLINGTON AVE, SEBRING, FL 33870-5407

Mortgage

Document Number	0002839425
Date	Jul 22, 2021
Instrument	2839/425

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

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		$132,682	$134,279 Land $3,100 Building $131,179
2024	$2,064.00 (+4.24%)
2023	$1,980.00 (-2.75%) Homeowner's exemption	$125,187 (+43.26%) Land $1,860 Building $123,327	$125,187 (+43.26%) Land $1,860 Building $123,327
2022	$2,036.00	$87,385 Land $1,860 Building $85,525	$87,385 Land $1,860 Building $85,525

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3646 Ellington Ave in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 3646 Ellington Ave is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 39 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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