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409 Lotus Ave, Sebring, FL 33872 Property Records

Highlands County property record for 409 Lotus Ave, Sebring, FL 33872

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 984 sqft · built 1989
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on Record
Last Sale$259,000 (Mar 2025)
Tax Bill$2,537 (2024)
Deeds & MortgagesMay 2024 Mortgage
Oct 2023 Sale
Flood ZoneZone X (minimal risk)
APNC224802004100050

Property Details

APN / Parcel Number

Primary APNC224802004100050
Alternative APN
  • C-22-34-28-020-0410-0050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area984 sqft Living Area
Gross Area1,274 sqft
1st Floor Area984 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,000 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeCarport
Garage Area220 sqft
CarportCarport
Carport Area220 sqft
DrivewayConcrete Driveway
Driveway Area240 sqft
Parking Spaces1 Parking Space
PorchScreened Porch
Porch Area42 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address409 LOTUS AVE
CitySEBRING
StateFL
Zip33872-3322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionSEBRING COUNTRY EST SEC 2 PB 7-PG 34 LOT 5 BLK 41
Legal Range28E
Legal Township34S
Legal Section22
Legal SubdivisionSEBRING COUNTRY EST
Legal Block41
Legal Lot Number5
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group1
Census Block1014
Census Tract960601

Owner

Source: Highlands County records, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address409 LOTUS AVE, SEBRING, FL 33872-3322
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 2, 2024Deed of Trust, Mortgage · Conventional Mortgage
A&D MORTGAGE LLC
Oct 2, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 27, 2025 · Amount on Record
Deed SaleMar 27, 2025 · Amount on Record
Prior SaleOct 2, 2023 · Amount on Record
Deed Document Number20252250951
Deed Book / Page3106 / 1841
Prior Transfer DateNov 16, 2005
Prior Transfer Doc0001375738
Record UpdatedSep 20, 2026

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address409 LOTUS AVE, SEBRING, FL 33872-3322
Transaction TypeMortgage
Record UpdatedMay 17, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 LOTUS AVE, SEBRING, FL 33872-3322

Mortgage

Document Number0002201514
DateMay 2, 2024
Book Page3040/1576
Instrument2201514
Lender
NameA&D MORTGAGE LLC
TypeMortgage Company
AddressHOLLYWOOD, FL 33020
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2054

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateOct 2, 2023
Property Address409 LOTUS AVE, SEBRING, FL 33872-3322
Document Number0002171759
Book / Page3001 / 1629
Map ReferenceMB 7 PG 34
Instrument DateSep 29, 2023
Instrument2171759
Transaction TypeTransfer
Record UpdatedOct 24, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$945.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address409 LOTUS AVE, SEBRING, FL 33872-3322

Transferred To (Grantee/Buyer)

NameVerified Name
Address121 CRANE ST, SEBRING, FL 33870-8504

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$181,410 (+283.45%) Land $20,000 Building $161,410$181,410 (+58.73%) Land $20,000 Building $161,410
2024$2,537.00
2023Homeowner's exemption$47,310 (+3%)$114,285 (+17.85%) Land $11,200 Building $103,085
2022$594.00 Homeowner's exemption$45,932$96,978 Land $10,000 Building $86,978

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims6 (1998–2022)
Claims Outside the SFHA3 of 6
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 3 claims
  • Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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