Highlands County property record for 3910 Ramiro St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,875 sqft · built 1980 |
| Lot Size | 0.232 acres (10,132 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,344 (2024) |
| Deeds & Mortgages | Feb 2018 Mortgage Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802002200250 |
| Primary APN | C044802002200250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,875 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,132 sqft (0.232 acres) |
| Lot Dimensions | 125 ft deep x 81 ft wide |
| Garage Type | Finished |
| Garage Area | 477 sqft |
| Driveway | Driveway |
| Driveway Area | 476 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 497 sqft |
| Patio Area | 590 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044802002200250 |
|---|---|
| Street Address | 3910 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 OF SEB UNIT 2 PB 9-PG 48 LOT 25 BLK 22 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LK SEB UNIT 02 |
| Legal Block | 22 |
| Legal Lot Number | 25 |
| Legal Unit | 2 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 960504 |
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 Company Names on Record |
|---|---|
| Mailing Address | 3910 RAMIRO ST, SEBRING, FL 33872-2229 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 6, 2018 | Deed of Trust, Mortgage MIDFLORIDA CU |
| Mar 13, 2017 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2016 |
| Deed Sale | Jun 15, 2016 |
| Prior Sale | May 23, 2014 · Amount on Record |
| Deed Document Number | 0025341585 |
| Deed Book / Page | 2452 / 0150 |
| Prior Transfer Date | Nov 7, 2014 |
| Prior Transfer Doc | 1753142 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3910 RAMIRO ST, SEBRING, FL 33872-2229 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001883307 |
|---|---|
| Date | Feb 6, 2018 |
| Book Page | 2619/1731 |
| Instrument | 1883307 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Jan 15, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3910 RAMIRO ST, SEBRING, FL 33872-2229 |
| Document Number | 0001849634 |
| Book / Page | 002575 / 001902 |
| Instrument Date | Mar 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3910 RAMIRO ST SEBRING FL 338722229, SEBRING, FL 33872-2229 |
| Document Number | 0001849634 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 002575/001902 |
| Instrument | 1849634 |
| Name | MIDFLORIDA FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 16, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $116,842 (+7.25%) | $200,215 (+6.21%) Land $18,500 Building $181,715 | |
| 2024 | $1,344.00 (+5.16%) | ||
| 2023 | $1,278.00 (+2.65%) Homeowner's exemption | $108,947 (+3%) | $188,505 (+15.39%) Land $11,500 Building $177,005 |
| 2022 | $1,245.00 Homeowner's exemption | $105,774 | $163,357 Land $5,500 Building $157,857 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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