415 E Elm St, Avon Park, FL 33825 Property Records

Highlands County property record for 415 E Elm St, Avon Park, FL 33825

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1975
Lot Size	0.269 acres (11,702 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (May 2026)
Tax Bill	$824 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A233824000E00030`

Property Details

APN / Parcel Number

Primary APN	`A233824000E00030`
Alternative APN	`A-23-33-28-240-00E0-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	1,814 sqft
1st Floor Area	1,352 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,702 sqft (0.269 acres)
Lot Dimensions	180 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	405 sqft
Porch	Open Porch
Porch Area	452 sqft
Patio Area	705 sqft
Shed	1 Shed
Shed Area	81 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 E ELM ST
City	AVON PARK
State	FL
Zip	33825-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	PARK HILL SUB PB 4-PG 40 ALL LOT 3 EAST 10 FT OF LOT 4 BLK E
Legal Range	28E
Legal Township	33S
Legal Section	23
Legal Subdivision	PARK HILL SUB
Legal Block	E
Legal Lot Number	3,4
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2055
Census Tract	960200

Owner

Source: Highlands County records, as of June 8, 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	415 E ELM ST, AVON PARK, FL 33825-3206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Mar 31, 2008 · Amount on Record
Deed Document Number	20262314934
Deed Book / Page	3195 / 939
Prior Transfer Date	Jun 22, 2012
Prior Transfer Doc	0001662814
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 29, 2026
Property Address	415 E ELM ST, AVON PARK, FL 33825-3206
Document Number	0002314934
Book / Page	3195 / 939
Instrument Date	May 21, 2026
Instrument	20262314934
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E ELM ST, AVON PARK, FL 33825-3206

Mortgage

Document Number	0002314935,
Date	May 29, 2026
Instrument	20262314935

Lender

Name	LEADER ONE FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$824.00 (+10.16%) Homeowner's exemption	$77,234 (+5.99%)	$166,356 (-0.92%) Land $7,085 Building $159,271
2024	$748.00 (+3.31%)
2023	$724.00 (+1.83%) Homeowner's exemption	$72,871 (+3%)	$167,909 (+11.14%) Land $4,251 Building $163,658
2022	$711.00 Homeowner's exemption	$70,749	$151,075 Land $4,251 Building $146,824

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.

Flood

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	7 in force
Nearby Flood Claims	3 (1998–2014)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2014 · river or lake flooding

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 Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.04% 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	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 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