3904 Ramiro St, Sebring, FL 33872 Property Records

Highlands County property record for 3904 Ramiro St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,393 sqft · built 1981
Lot Size	0.232 acres (10,133 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Dec 2020)
Tax Bill	$1,100 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C044802002200240`

Property Details

APN / Parcel Number

Primary APN	`C044802002200240`
Alternative APN	`C-04-34-28-020-0220-0240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,393 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,133 sqft (0.232 acres)
Lot Dimensions	125 ft deep x 81 ft wide
Garage Type	Mixed
Garage Area	336 sqft
Carport	Carport
Carport Area	140 sqft
Driveway	Driveway
Driveway Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	235 sqft
Fence	Fence
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C044802002200240
Street Address	3904 RAMIRO ST
City	SEBRING
State	FL
Zip	33872-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUN N LAKE EST OF SEBRING UNIT 2 PB 9 PG 48 LOT 24 BLK 22
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	22
Legal Lot Number	24
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2048
Census Tract	960504

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	3904 RAMIRO ST, SEBRING, FL 33872-2229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Dec 13, 2007 · Amount on Record
Deed Document Number	2012287
Deed Book / Page	2792 / 282
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 23, 2020
Property Address	3904 RAMIRO ST, SEBRING, FL 33872-2229
Document Number	0002012287
Book / Page	002792 / 000282
Instrument Date	Dec 22, 2020
Instrument	2012287
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$931.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3904 RAMIRO ST SEBRING FL 338722229, SEBRING, FL 33872-2229

Mortgage

Document Number	2012288
Date	Dec 23, 2020
Book Page	002792/000284
Instrument	2012288

Lender

Name	NESTOR RIVERO
Address	1130 SW 97TH CT, MIAMI, FL 33174-2963
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Dec 22, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$101,020 (+8.92%)	$143,023 (+12.74%) Land $18,500 Building $124,523
2024	$1,100.00 (+7.42%)
2023	$1,024.00 (+3.02%) Homeowner's exemption	$92,746 (+3%)	$126,865 (+18.75%) Land $11,500 Building $115,365
2022	$994.00 Homeowner's exemption	$90,045	$106,833 Land $5,500 Building $101,333

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
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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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