3905 Ramiro St, Sebring, FL 33872 Property Records

Highlands County property record for 3905 Ramiro St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,463 sqft · built 1984
Lot Size	0.232 acres (10,137 sqft)
Owner	Individual Name on File
Tax Bill	$2,340 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-04-34-28-020-0210-0030`

Property Details

APN / Parcel Number

Primary APN	`C-04-34-28-020-0210-0030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,463 sqft Living Area
1st Floor Area	1,206 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,137 sqft (0.232 acres)
Lot Dimensions	125 ft deep x 81 ft wide
Garage Type	Finished
Garage Area	338 sqft
Driveway	Driveway
Driveway Area	270 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3905 RAMIRO ST
City	SEBRING
State	FL
Zip	33872-2266
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 3 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	3
Legal Unit	2
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2007
Census Tract	960504

Owner

3905 Ramiro St is owned and occupied by an individual who acquired it in May 2025.

Source: Highlands County records, as of December 12, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3905 RAMIRO ST, SEBRING, FL 33872-2266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2025
Deed Sale	May 13, 2025
Prior Sale	Sep 20, 2023 · Amount on File
Deed Document Number	2258765
Deed Book / Page	3117 / 1186
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 20, 2023
Property Address	3905 RAMIRO ST, SEBRING, FL 33872-2266
Document Number	0002170084
Book / Page	2999 / 1418
Map Reference	MB 9 PG 48
Instrument Date	Sep 14, 2023
Instrument	2170084
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 RAMIRO ST, SEBRING, FL 33872-2266

Mortgage

Document Number	0029991420
Date	Sep 20, 2023
Instrument	2999/1420

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

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		$143,509 Land $18,500 Building $125,009	$143,509 Land $18,500 Building $125,009
2024	$2,340.00 (+31.98%)
2023	$1,773.00 (+9.72%)	$129,409 (+18.82%) Land $11,500 Building $117,909	$129,409 (+18.82%) Land $11,500 Building $117,909
2022	$1,616.00	$108,915 Land $5,500 Building $103,415	$108,915 Land $5,500 Building $103,415

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3905 Ramiro St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 3905 Ramiro St is low, with a 0.02% annual chance of 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