Highlands County property record for 3829 Ramiro St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,284 sqft · built 1982 |
| Lot Size | 0.232 acres (10,137 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,500 (Feb 2019) |
| Tax Bill | $2,283 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802002100040 |
| Primary APN | C044802002100040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,284 sqft Living Area |
| 1st Floor Area | 1,894 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 10,137 sqft (0.232 acres) |
| Lot Dimensions | 125 ft deep x 81 ft wide |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044802002100040 |
|---|---|
| Street Address | 3829 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 4 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 | 4 |
| Legal Unit | 2 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 960504 |
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 | 3829 RAMIRO ST, SEBRING, FL 33872-2230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2019 · Amount on Record |
| Deed Sale | Feb 18, 2019 · Amount on Record |
| Prior Sale | Apr 22, 2014 |
| Deed Document Number | 1929217 |
| Deed Book / Page | 2678 / 0719 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3829 RAMIRO ST, SEBRING, FL 33872-2230 |
| Document Number | 0001994390 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3829 RAMIRO ST SEBRING FL 338722230, SEBRING, FL 33872-2230 |
| Document Number | 0001994390 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 002766/001470 |
| Instrument | 1994390 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Feb 18, 2019 |
| Property Address | 3829 RAMIRO ST, SEBRING, FL 33872-2230 |
| Document Number | 0001929217 |
| Book / Page | 2678 / 0719 |
| Map Reference | MB 9 PG 48 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 1929217 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,158.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2389, LAKE PLACID, FL 33862-2389 |
| Name | Verified Name |
|---|---|
| Address | 3829 RAMIRO ST, SEBRING, FL 33872-2230 |
| Document Number | 0001929218 |
|---|---|
| Date | Feb 18, 2019 |
| Instrument | 1929218 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $188,338 (+5.99%) | $264,313 (+7.34%) Land $18,500 Building $245,813 | |
| 2024 | $2,283.00 (+2.42%) | ||
| 2023 | $2,229.00 (+2.72%) Homeowner's exemption | $177,699 (+4.01%) | $246,248 (+16.87%) Land $11,500 Building $234,748 |
| 2022 | $2,170.00 Homeowner's exemption | $170,853 | $210,710 Land $5,500 Building $205,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% 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.
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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