Highlands County property record for 4014 Ramiro St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,277 sqft · built 1980 |
| Lot Size | 0.233 acres (10,134 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $118,000 (Apr 2017) |
| Tax Bill | $1,129 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802002200300 |
| Primary APN | C044802002200300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,277 sqft Living Area |
| Gross Area | 2,305 sqft |
| 1st Floor Area | 1,277 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,134 sqft (0.233 acres) |
| Lot Dimensions | 125 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 578 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 703 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4014 RAMIRO ST |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-2205 |
| 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 30 BLK 22 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 22 |
| Legal Lot Number | 30 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 960504 |
Source: Highlands County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4014 RAMIRO ST, SEBRING, FL 33872-2205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed of Trust, Mortgage · VA Mortgage LENDING 3 INC |
| Apr 21, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2017 · Amount on Record |
| Deed Sale | Apr 21, 2017 · Amount on Record |
| Prior Sale | Jul 12, 2007 · Amount on Record |
| Deed Document Number | 20171850348 |
| Deed Book / Page | 2576 / 1934 |
| Prior Transfer Date | Sep 20, 2008 |
| Prior Transfer Doc | 0001523205 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4014 RAMIRO ST, SEBRING, FL 33872-2205 |
| Document Number | 0001999695 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4014 RAMIRO ST SEBRING FL 338722205, SEBRING, FL 33872-2205 |
| Document Number | 0001999695 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 002774/000520 |
| Instrument | 1999695 |
| Name | LENDING 3 INC |
|---|---|
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 21, 2017 |
| Property Address | 4014 RAMIRO ST, SEBRING, FL 33872-2205 |
| Document Number | 0001850348 |
| Book / Page | 002576 / 001934 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 1850348 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $826.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1005 SNAPPER LN KEY LARGO FL 330373845, KEY LARGO, FL 33037-3845 |
| Document Number | 1850349 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 002576/001936 |
| Instrument | 1850349 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2047 |
Source: Highlands County assessment roll, as of December 10, 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 | $101,658 (+5.99%) | $182,044 (+9.77%) Land $18,500 Building $163,544 | |
| 2024 | $1,129.00 (+4.06%) | ||
| 2023 | $1,085.00 (+3.04%) Homeowner's exemption | $95,916 (+3%) | $165,838 (+16.38%) Land $11,500 Building $154,338 |
| 2022 | $1,053.00 Homeowner's exemption | $93,122 | $142,497 Land $5,500 Building $136,997 |
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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