Highlands County property record for 4023 Loretto Ave, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,051 sqft · built 2006 |
| Lot Size | 0.231 acres (10,077 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $342,000 (Jan 2024) |
| Tax Bill | $1,250 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C044805006300220 |
| Primary APN | C044805006300220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,051 sqft Living Area |
| 1st Floor Area | 1,749 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,077 sqft (0.231 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Mixed |
| Garage Area | 483 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Driveway | Driveway |
| Driveway Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 312 sqft |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 458 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044805006300220 |
|---|---|
| Street Address | 4023 LORETTO AVE |
| City | SEBRING |
| State | FL |
| Zip | 33872-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUN N LAKE EST OF SEB UNIT 5 PB 9 PG 51 LOT 22 BLK 63 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 63 |
| Legal Lot Number | 22 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2091 |
| Census Tract | 960503 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BREEZE LOANS LLC |
| Jan 30, 2024 | Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Jun 25, 2020 | Warranty Deed, Transfer · Conventional Mortgage DW ENTERPRISES/S FL INC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2024 · Amount on Record |
| Deed Sale | Jan 30, 2024 · Amount on Record |
| Prior Sale | Jun 25, 2020 · Amount on Record |
| Deed Document Number | 2187823 |
| Deed Book / Page | 3022 / 1760 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Document Number | 0002283374 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 3150/1556 |
| Instrument | 2283374 |
| Name | BREEZE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | UTICA, MI 48317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jan 30, 2024 |
| Property Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Document Number | 0002187823 |
| Book / Page | 3022 / 1760 |
| Map Reference | MB 9 PG 51 |
| Instrument Date | Jan 9, 2024 |
| Instrument | 2187823 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,394.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4201 NAVARRE AVE, SEBRING, FL 33872-2128 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Document Number | 0030221762 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 3022/1762 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 25, 2020 |
| Property Address | 4023 LORETTO AVE, SEBRING, FL 33872-1916 |
| Document Number | 0001989824 |
| Book / Page | 002759 / 001187 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 1989824 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2020 |
| Title Company | HEARTLAND TITLE INSURANCE, HEARTLAND TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4023 LORETTO AVE SEBRING FL 338721916, SEBRING, FL 33872-1916 |
| Document Number | 1989825 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 002759/001189 |
| Instrument | 1989825 |
| Name | DW ENTERPRISES/S FL INC |
|---|---|
| Address | 10 STIDHAM RD, LAKE PLACID, FL 33852-9598 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 24, 2025 |
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 | $298,713 (+189.67%) Land $22,000 Building $276,713 | $298,713 (+1.24%) Land $22,000 Building $276,713 | |
| 2024 | $1,250.00 (+3.99%) | ||
| 2023 | $1,202.00 (+2.82%) Homeowner's exemption | $103,121 (+3%) | $295,055 (+15.89%) Land $12,000 Building $283,055 |
| 2022 | $1,169.00 Homeowner's exemption | $100,117 | $254,589 Land $6,000 Building $248,589 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 67 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jun 2017 · other causes |
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 | High above 79% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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: 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 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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