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3905 Loretto Ave, Sebring, FL 33872 Property Records

Highlands County property record for 3905 Loretto Ave, Sebring, FL 33872 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,073 sqft · built 2005
Lot Size0.229 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$250,000 (Nov 2022)
Tax Bill$3,753 (2024)
Deeds & MortgagesOct 2023 Transfer
Nov 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC-04-34-28-050-0630-0290

Property Details

APN / Parcel Number

Primary APNC-04-34-28-050-0630-0290

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area2,073 sqft Living Area
1st Floor Area1,804 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,000 sqft (0.229 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeFinished
Garage Area420 sqft
DrivewayDriveway
Driveway Area522 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area59 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address3905 LORETTO AVE
CitySEBRING
StateFL
Zip33872-1914
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUN N LAKE EST OF SEB UNIT 5 PB 9 PG 51 LOT 29 BLK 63
Legal Range28E
Legal Township34S
Legal Section04
Legal SubdivisionSUN N LAKE EST
Legal Block63
Legal Lot Number29
JurisdictionHIGHLANDS FL
Township / Civil DivisionAVON PARK
Census Block Group2
Census Block2091
Census Tract960503

Owner

Source: Highlands County records · APN C-04-34-28-050-0630-0290

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address1331 BALDWIN RD, FENTON, MI 48430-9759
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 30, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 03, 2022Warranty Deed, Transfer · Conventional Mortgage
DORT FINANCIAL CU
Jun 12, 2017Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleNov 03, 2022 · Amount on Record
Deed SaleNov 03, 2022 · Amount on Record
Prior SaleNov 03, 2022 · Amount on Record
Deed Document Number0002122421
Deed Book / Page2939 / 1668
Last Transfer DateOct 30, 2023
Transfer Doc0002175664
Record UpdatedJun 08, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHIGHLANDS FL
Recording DateOct 30, 2023
Property Address3905 LORETTO AVE, SEBRING, FL 33872-1914
Document Number0002175664
Book / Page3006 / 1912
Map ReferenceMB 9 PG 51
Instrument DateOct 16, 2023
Instrument2175664
Transaction TypeTransfer
Record UpdatedNov 10, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1331 BALDWIN RD, FENTON, MI 48430-9759

Transferred To (Grantee/Buyer)

NameVerified Name
Address1331 BALDWIN RD, FENTON, MI 48430-9759

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateNov 03, 2022
Property Address3905 LORETTO AVE, SEBRING, FL 33872-1914
Document Number0002122421
Book / Page2939 / 1668
Map ReferenceMB 9 PG 51
Instrument DateOct 28, 2022
Instrument2122421
Transaction TypeTransfer
Record UpdatedNov 17, 2022
Title CompanyCAPSTONE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3745 CREEKSIDE DR, 3745, SEBRING, FL 33875-4757

Transferred To (Grantee/Buyer)

NameVerified Name
Address1331 BALDWIN RD, FENTON, MI 48430-9759

Mortgage

Document Number0029391670
DateNov 03, 2022
Instrument2939/1670
Lender
NameDORT FINANCIAL CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2052
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateNov 01, 2029
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change9.75%
Index1-Year T-Bill
Max Rate9.75%

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3905 LORETTO AVE, SEBRING, FL 33872-1914
Document Number0001856512
Book / Page002585 / 001460
Instrument DateJun 12, 2017
Transaction TypeMortgage
Record UpdatedJun 27, 2017
Title CompanyMIDFLORIDA TITLE PROFESSIONALS

Transferred To (Grantee/Buyer)

NameVerified Name
Address3905 LORETTO AVE SEBRING FL 338721914, SEBRING, FL 33872-1914

Mortgage

Document Number0001856512
DateJun 19, 2017
Book Page002585/001460
Instrument1856512
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 18, 2032

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$242,025 (+0.85%) Land $22,000 Building $220,025$242,025 (+0.85%) Land $22,000 Building $220,025
2024$3,753.00 (+4.6%)
2023$3,588.00 (+212%)$239,990 (+143.25%) Land $12,000 Building $227,990$239,990 (+17.35%) Land $12,000 Building $227,990
2022$1,150.00 Homeowner's exemption$98,659$204,512 Land $6,000 Building $198,512

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559605032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 67 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies67 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimJun 2017, other causes

Wildfire

Wildfire RiskHigh
above 77% of the US · above 64% of Florida
Wildfire LikelihoodAbout 1 in 188 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 268 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

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