Highlands County property record for 3920 Ann Ave, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,662 sqft · built 1974 |
| Lot Size | 0.357 acres (15,559 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Dec 2019) |
| Tax Bill | $1,000 (2024) |
| Deeds & Mortgages | Sep 2025 Transfer Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C124803000001130 |
| Primary APN | C124803000001130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,662 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 15,559 sqft (0.357 acres) |
| Lot Dimensions | 208 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 341 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 160 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 242 sqft |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C124803000001130 |
|---|---|
| Street Address | 3920 ANN AVE |
| City | SEBRING |
| State | FL |
| Zip | 33870-1101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE SEBRING ESTATES PB 4-PG 79 LOT 113 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 12 |
| Legal Subdivision | LAKE SEBRING ESTATES |
| Legal Lot Number | 113 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 960700 |
3920 Ann Ave is owned and occupied by two individuals who acquired it in September 2025.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 3920 ANN AVE, SEBRING, FL 33870-1101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2019 · Amount on File |
| Deed Sale | Dec 3, 2019 · Amount on File |
| Prior Sale | Dec 3, 2019 · Amount on File |
| Deed Document Number | 0001965928 |
| Deed Book / Page | 002726 / 000236 |
| Last Transfer Date | Sep 8, 2025 |
| Transfer Doc | 0002277391 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 8, 2025 |
| Property Address | 3920 ANN AVE, SEBRING, FL 33870-1101 |
| Document Number | 0002277391 |
| Book / Page | 3142 / 1595 |
| Map Reference | MB 4 PG 79 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2277391 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3920 ANN AVE, SEBRING, FL 33870-1101 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3920 ANN AVE, SEBRING, FL 33870-1101 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 3, 2019 |
| Property Address | 3920 ANN AVE, SEBRING, FL 33870-1101 |
| Document Number | 0001965928 |
| Book / Page | 002726 / 000236 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 1965928 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3920 ANN AVE SEBRING FL 338701101, SEBRING, FL 33870-1101 |
| Document Number | 1965929 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 002726/000239 |
| Instrument | 1965929 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2049 |
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 | $91,551 (+2.9%) | $176,522 (+11.62%) Land $17,400 Building $159,122 | |
| 2024 | $1,000.00 (+4.6%) Homeowner's exemption | $88,971 (+3%) | $158,145 (+6.41%) Land $13,050 Building $145,095 |
| 2023 | $956.00 (+4.94%) Homeowner's exemption | $86,380 (+4.24%) | $148,613 (+17.92%) Land $13,050 Building $135,563 |
| 2022 | $911.00 Homeowner's exemption | $82,867 | $126,028 Land $8,265 Building $117,763 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3920 Ann Ave 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 3920 Ann Ave is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 31 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 |
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