412 Rose Ave, Sebring, FL 33870 Property Records

Highlands County property record for 412 Rose Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,344 sqft · built 1926
Lot Size	0.401 acres (17,449 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Apr 2022)
Tax Bill	$4,541 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S29490400560011A`

Property Details

APN / Parcel Number

Primary APN	`S29490400560011A`
Alternative APN	`S-29-34-29-040-0560-011A`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,344 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	2,240 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1942
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,449 sqft (0.401 acres)
Lot Dimensions	295 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	252 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	264 sqft
Patio Area	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	412 ROSE AVE
City	SEBRING
State	FL
Zip	33870-3759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PALMHURST SUB PER PB 1-PG 49 LOTS 11A + 12 BLK 56
Legal Range	29E
Legal Township	34S
Legal Section	29
Legal Subdivision	PALMHURST
Legal Block	56
Legal Lot Number	11A
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3029
Census Tract	960800

Owner

Source: Highlands County records, as of September 3, 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
Mailing Address	412 ROSE AVE, SEBRING, FL 33870-3759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 28, 2022	Warranty Deed, Transfer · FHA Mortgage HAMILTON HOME LOANS INC
Aug 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	Mar 10, 2016 · Amount on Record
Deed Document Number	20222090528
Deed Book / Page	2901 / 554
Prior Transfer Date	Apr 7, 2020
Prior Transfer Doc	0001981853
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	412 ROSE AVE, SEBRING, FL 33870-3759
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 ROSE AVE, SEBRING, FL 33870-3759

Mortgage

Document Number	0002284849
Date	Oct 27, 2025
Book Page	3152/1838
Instrument	2284849

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	May 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 28, 2022
Property Address	412 ROSE AVE, SEBRING, FL 33870-3759
Document Number	0002090528
Book / Page	2901 / 554
Map Reference	MB 1 PG 49
Instrument Date	Apr 27, 2022
Instrument	2090528
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INS AGCY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	760 KILLARNEY DR, 760, SEBRING, FL 33870-6019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 ROSE AVE, SEBRING, FL 33870-3759

Mortgage

Document Number	0002901556
Date	Apr 28, 2022
Instrument	2901/556

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 20, 2019
Property Address	412 ROSE AVE, SEBRING, FL 33870-3759
Document Number	0001952813
Book / Page	002708 / 000695
Instrument Date	Aug 20, 2019
Instrument	1952813
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	300 NW 20TH ST WILTON MANORS FL 333113816, WILTON MANORS, FL 33311-3816

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,541.00 (+2.88%)	$188,421 (+0.99%) Land $12,000 Building $176,421	$188,421 (+0.99%) Land $12,000 Building $176,421
2024	$4,414.00 (+0.2%)
2023	$4,405.00 (+47.82%)	$186,566 (+27.52%) Land $9,000 Building $177,566	$186,566 (+27.52%) Land $9,000 Building $177,566
2022	$2,980.00	$146,301 Land $9,000 Building $137,301	$146,301 Land $9,000 Building $137,301

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	19 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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