Highlands County property record for 3909 Elson Ave, Sebring, FL 33875 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,078 sqft · built 1985 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $92,500 (Sep 2018) |
| Tax Bill | $781 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C025805014700190 |
| Primary APN | C025805014700190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,078 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 214 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C025805014700190 |
|---|---|
| Street Address | 3909 ELSON AVE |
| City | SEBRING |
| State | FL |
| Zip | 33875-4835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD TERRACE ADD SHEET NO 3 PLAT BK 2-PG 94 LOT 19 BLK 147 |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 02 |
| Legal Subdivision | LAKEWOOD TERRACE ADD |
| Legal Block | 147 |
| Legal Lot Number | 19 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 961301 |
Source: Highlands County records · APN C025805014700190
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3909 ELSON AVE, SEBRING, FL 33875-4835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Sep 12, 2018 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 12, 2018 · Amount on Record |
| Deed Sale | Sep 12, 2018 · Amount on Record |
| Prior Sale | Oct 17, 2003 · Amount on Record |
| Deed Document Number | 1911156 |
| Deed Book / Page | 2655 / 0862 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3909 ELSON AVE, SEBRING, FL 33875-4835 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2021 |
| Title Company | HEARTLAND TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 3909 ELSON AVE, SEBRING, FL 33875-4835 |
| Document Number | 0002065463 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 2867/520 |
| Instrument | 2065463 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 12, 2018 |
| Property Address | 3909 ELSON AVE, SEBRING, FL 33875-4835 |
| Document Number | 0001911156 |
| Book / Page | 2655 / 0862 |
| Map Reference | MB2 PG94 |
| Instrument Date | Sep 10, 2018 |
| Instrument | 1911156 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | HEARTLAND TITLE INS AGENCY C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 BRANNING CT, 109, CARY, NC 27519-1891 |
| Name | Verified Name |
|---|---|
| Address | 3909 ELSON AVE, SEBRING, FL 33875-4835 |
| Document Number | 0001911157 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 1911157 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $78,423 (+5.99%) | $121,709 (+2.26%) Land $8,750 Building $112,959 | |
| 2024 | $781.00 (+3.72%) | ||
| 2023 | $753.00 (+1.35%) Homeowner's exemption | $73,993 (+3%) | $119,024 (+11.3%) Land $7,500 Building $111,524 |
| 2022 | $743.00 Homeowner's exemption | $71,838 | $106,943 Land $4,500 Building $102,443 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 350 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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