Highlands County property record for 4003 Ramiro St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,330 sqft · built 1985 |
| Lot Size | 0.305 acres (13,305 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $198,000 (Jan 2026) |
| Tax Bill | $2,382 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802002000120 |
| Primary APN | C044802002000120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,330 sqft Living Area |
| 1st Floor Area | 951 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,305 sqft (0.305 acres) |
| Lot Dimensions | 112 ft deep x 105 ft wide |
| Garage Type | Finished |
| Garage Area | 308 sqft |
| Driveway | Driveway |
| Driveway Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 374 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044802002000120 |
|---|---|
| Street Address | 4003 RAMIRO ST |
| City | SEBRING |
| State | FL |
| Zip | 33872-2226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUN N LAKE EST OF SEBRING UNIT 2 PB 9-PG 48 LOT 12 BLK 20 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 20 |
| Legal Lot Number | 12 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 960504 |
Source: Highlands County records, as of February 4, 2026
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4003 RAMIRO ST, SEBRING, FL 33872-2226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage LEADERONE FINANCIAL CORP |
| Mar 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on Record |
| Deed Sale | Jan 21, 2026 · Amount on Record |
| Prior Sale | Mar 5, 2018 · Amount on Record |
| Deed Document Number | 2295839 |
| Deed Book / Page | 3168 / 1362 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jan 21, 2026 |
| Property Address | 4003 RAMIRO ST, SEBRING, FL 33872-2226 |
| Document Number | 0002295839 |
| Book / Page | 3168 / 1362 |
| Map Reference | MB 9 PG 48 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 2295839 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2026 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,386.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 106, AVON PARK, FL 33826-0106 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4003 RAMIRO ST, SEBRING, FL 33872-2226 |
| Investor | Possibly a Property Investor |
| Document Number | 0031681364 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 3168/1364 |
| Name | LEADERONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 5, 2018 |
| Property Address | 4003 RAMIRO ST, SEBRING, FL 33872-2226 |
| Document Number | 0001887044 |
| Book / Page | 2624 / 0511 |
| Map Reference | MB9 PG48 |
| Instrument Date | Mar 2, 2018 |
| Instrument | 1887044 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 658 AUGUSTA RD, 658, WINTER HAVEN, FL 33884-1201 |
| Name | Verified Name |
|---|---|
| Relationship | Et Ux (and Wife) |
| Address | PO BOX 95, SEBRING, FL 33871-0095 |
| Document Number | 0001887045 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 1887045 |
| Name | METROPLEX MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $147,317 (+82.92%) Land $19,425 Building $127,892 | $147,317 (+10.77%) Land $19,425 Building $127,892 | |
| 2024 | $2,382.00 (+176.33%) | ||
| 2023 | $862.00 (+3.73%) Homeowner's exemption | $80,537 (+3%) | $132,997 (+18.71%) Land $12,075 Building $120,922 |
| 2022 | $831.00 Homeowner's exemption | $78,191 | $112,033 Land $5,775 Building $106,258 |
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.
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.
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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