3907 Ann Ave, Sebring, FL 33870 Property Records

Highlands County property record for 3907 Ann Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,870 sqft · built 1977
Lot Size	0.467 acres (20,370 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2022)
Tax Bill	$2,573 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C124803000000930`

Property Details

APN / Parcel Number

Primary APN	`C124803000000930`
Alternative APN	`C-12-34-28-030-0000-0930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,870 sqft Living Area
1st Floor Area	1,110 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1984
Exterior Material	Aluminum Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	20,370 sqft (0.467 acres)
Lot Dimensions	125 ft deep x 98 ft wide
Garage Type	Mixed
Garage Area	600 sqft
Carport	Carport
Carport Area	360 sqft
Driveway	Driveway
Driveway Area	350 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	558 sqft
Fence	Fence
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C124803000000930
Street Address	3907 ANN AVE
City	SEBRING
State	FL
Zip	33870-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE SEBRING ESTATES PB 4-PG 79 LOTS 93 + 94
Legal Range	28E
Legal Township	34S
Legal Section	12
Legal Subdivision	LAKE SEBRING ESTATES
Legal Lot Number	93-94 94
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3007
Census Tract	960700

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	Individual Name on Record
Mailing Address	3907 ANN AVE, SEBRING, FL 33870-1100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 17, 2018	Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 22, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Jul 23, 2015 · Amount on Record
Deed Document Number	2107404
Deed Book / Page	2921 / 1413
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 28, 2022
Property Address	3907 ANN AVE, SEBRING, FL 33870-1100
Document Number	0002107404
Book / Page	2921 / 1413
Map Reference	MB 4 PG 79
Instrument Date	Jul 27, 2022
Instrument	2107404
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 SANFORD ST, HENDERSON, TN 38340-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 ANN AVE, SEBRING, FL 33870-1100

Mortgage

Document Number	0029211415
Date	Jul 28, 2022
Instrument	2921/1415

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	3907 ANN AVE, SEBRING, FL 33870-1100
Document Number	0001901709
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jul 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 ANN AVE SEBRING FL 338701100, SEBRING, FL 33870-1100

Mortgage

Document Number	0001901709
Date	Jun 26, 2018
Book Page	002642/001442
Instrument	1901709

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Interest

Rate	4.25%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3907 ANN AVE, SEBRING, FL 33870-1100
Document Number	0001844271
Book / Page	002568 / 001250
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 ANN AVE SEBRING FL 338701100, SEBRING, FL 33870-1100

Mortgage

Document Number	0001844271
Date	Mar 2, 2017
Book Page	002568/001250
Instrument	1844271

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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		$218,121 (+8.99%)	$237,314 (+18.58%) Land $34,632 Building $202,682
2024	$2,573.00 (-15.64%)
2023	$3,050.00 (+156.95%)	$200,133 (+97.33%) Land $25,974 Building $174,159	$200,133 (+23.56%) Land $25,974 Building $174,159
2022	$1,187.00 Homeowner's exemption	$101,422	$161,977 Land $16,450 Building $145,527

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.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1998–2022)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 2 claims

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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