Highlands County property record for 3805 Ramiro St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,308 sqft · built 1981 |
| Lot Size | 0.305 acres (13,324 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,881 (2024) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802002100090 |
| Primary APN | C044802002100090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,308 sqft Living Area |
| 1st Floor Area | 1,908 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,324 sqft (0.305 acres) |
| Garage Type | Finished |
| Garage Area | 612 sqft |
| Driveway | Driveway |
| Driveway Area | 722 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 110 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044802002100090 |
|---|---|
| Street Address | 3805 RAMIRO ST |
| City | SEBRING |
| State | FL |
| Zip | 33872-2230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUN N LAKE OF SEB UNIT 2 PB 9-PG 48 LOT 9 BLK 21 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LK SEB UNIT 02 |
| Legal Block | 21 |
| Legal Lot Number | 9 |
| Legal Unit | 2 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 960504 |
3805 Ramiro St is owned and occupied by an individual who acquired it in October 2019.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3805 RAMIRO ST, SEBRING, FL 33872-2230 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Oct 31, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 31, 2019 |
| Transfer Doc | 0001962073 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3805 RAMIRO ST, SEBRING, FL 33872-2230 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3805 RAMIRO ST, SEBRING, FL 33872-2230 |
| Document Number | 0002281940 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | 3149/38 |
| Instrument | 2281940 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 31, 2019 |
| Property Address | 3805 RAMIRO ST, SEBRING, FL 33872-2230 |
| Document Number | 0001962073 |
| Book / Page | 002720 / 001551 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 1962073 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3805 RAMIRO ST SEBRING FL 338722230, SEBRING, FL 33872-2230 |
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 | $162,005 | $231,638 Land $19,425 Building $212,213 | |
| 2024 | $1,881.00 (+3.01%) | ||
| 2023 | $1,826.00 (-1.35%) Homeowner's exemption Widower's exemption | $152,853 (+3%) | $212,699 (+17.02%) Land $12,075 Building $200,624 |
| 2022 | $1,851.00 Homeowner's exemption Widower's exemption | $148,401 | $181,761 Land $5,775 Building $175,986 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3805 Ramiro St 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 | 1 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 risk around 3805 Ramiro St is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 265 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 |
| AT&T Fixed Wireless | 100 / 20 |
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