Highlands County property record for 3900 Loretto Ave, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,749 sqft · built 1988 |
| Lot Size | 0.356 acres (15,488 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Jul 2026) |
| Tax Bill | $1,620 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-04-34-28-050-0600-0010 |
| Primary APN | C-04-34-28-050-0600-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,749 sqft Living Area |
| Gross Area | 2,060 sqft |
| 1st Floor Area | 1,549 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,488 sqft (0.356 acres) |
| Lot Dimensions | 125 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 311 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 440 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 245 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3900 LORETTO AVE |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUN N LAKE EST OF SEB UNIT 5 PB 9 PG 51 LOT 1 BLK 60 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 60 |
| Legal Lot Number | 1 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2144 |
| Census Tract | 960503 |
Source: Highlands County records · APN C-04-34-28-050-0600-0010
Assessment roll updated December 10, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Jul 17, 2026 | Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE CORPORATION |
| Apr 20, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 26, 2026 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY, ATTORNEY |
| Apr 20, 2026 | Re-recorded Document, Transfer NONE LISTED ON DOCUMENT |
| Jun 02, 2022 | Intrafamily Transfer, Transfer |
| Aug 04, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on Record |
| Deed Sale | Jul 17, 2026 · Amount on Record |
| Prior Sale | Apr 20, 2026 · Amount on Record |
| Deed Document Number | 20262322077 |
| Deed Book / Page | 3205 / 1616 |
| Prior Transfer Date | Feb 19, 2026 |
| Prior Transfer Doc | 0002309120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jul 17, 2026 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002322077 |
| Book / Page | 3205 / 1616 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 20262322077 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Title Company | PRIOR TITLE, PRIMO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183,749.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002322080, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 20262322080 |
| Name | GOLD STAR MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002309123 |
| Book / Page | 3187 / 418 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026.2309123 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $127,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 2341 ELDORADO CT, SAINT CLOUD, FL 34771-7304 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Feb 26, 2026 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002301585 |
| Book / Page | 3176 / 1042 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 2301585 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Name | Verified Name |
|---|---|
| Address | 4150 SOUTHWEST DR STE 210, 210, ABILENE, TX 79606-2292 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002309120 |
| Book / Page | 3187 / 408 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 20262309120 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | 4150 SOUTHWEST DR, 210, ABILENE, TX 79606-2292 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 02, 2022 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002097587 |
| Book / Page | 2909 / 1179 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Jun 02, 2022 |
| Instrument | 2097587 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 04, 2021 |
| Property Address | 3900 LORETTO AVE, SEBRING, FL 33872-1918 |
| Document Number | 0002047191 |
| Book / Page | 2842 / 44 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Aug 04, 2021 |
| Instrument | 2047191 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 LORETTO AVE # AUR, AUR, SEBRING, FL 33872-1918 |
Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,620.00 (+117.45%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $84,633 (+7.77%) | $194,852 (+3.6%) Land $26,400 Building $168,452 |
| 2024 | $745.00 (+10.21%) | ||
| 2023 | $676.00 (-3.57%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $78,529 (+3%) | $188,083 (+18.29%) Land $14,400 Building $173,683 |
| 2022 | $701.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $76,242 | $159,008 Land $8,100 Building $150,908 |
Source: FEMA National Flood Hazard Layer as of November 17, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 67 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jun 2017 · other causes |
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 268 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUN N LAKES OF SEBRING WATER private · serves 7,710 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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