4235 Gerrard Ter, Sebring, FL 33875 Property Records

Highlands County property record for 4235 Gerrard Ter, Sebring, FL 33875

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on File
Tax Bill	$176 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-03-36-29-050-0210-0450`

Property Details

APN / Parcel Number

Primary APN	`C-03-36-29-050-0210-0450`

Exterior

Lot Area	8,400 sqft (0.192 acres)
Lot Dimensions	105 ft deep x 80 ft wide

Location & Zoning

Street Address	4235 GERRARD TER
City	SEBRING
State	FL
Zip	33875
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R1
Legal Description	SEBRING LAKES UNIT 2C PB 7-PG 10 LOTS 45-46-47-48 BLK 21
Legal Range	29E
Legal Township	36S
Legal Section	03
Legal Subdivision	SEBRING LAKES UNIT 2 C
Legal Block	21
Legal Lot Number	45-48 46
Legal Unit	2C
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1016
Census Tract	961304

Owner

4235 Gerrard Ter, residential vacant land, is owned by an individual who acquired it in December 2024.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	1351 KILLARNEY DR, SEBRING, FL 33870-6032
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2024
Deed Sale	Dec 4, 2024
Prior Sale	Jun 16, 2021 · Amount on File
Deed Document Number	2233591
Deed Book / Page	3084 / 327
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 16, 2021
Property Address	4235 GERRARD TER, SEBRING, FL 33875
Document Number	0002039396
Book / Page	2830 / 1587
Map Reference	MB 7 PG 10
Instrument Date	Jun 1, 2021
Instrument	2039396
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3222 COMMERCE PL, 3222, WEST PALM BEACH, FL 33407-1904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CHESTNUT ST APT B11, B11, PHOENIX, NY 13135-2424

Mortgage

Document Number	0028301589
Date	Jun 16, 2021
Instrument	2830/1589

Lender

Name	S & P CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	25 Months
Due	Jul 1, 2023

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
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		$8,000 Land $8,000	$8,000 Land $8,000
2024	$176.00 (+18.12%)
2023	$149.00 (+18.25%)	$10,400 (+44.44%) Land $10,400	$10,400 (+44.44%) Land $10,400
2022	$126.00	$7,200 Land $7,200	$7,200 Land $7,200

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

Flood

FEMA maps place 4235 Gerrard Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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.

Wildfire

Wildfire risk around 4235 Gerrard Ter is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Water System	LAKE JOSEPHINE HEIGHTS private · serves 1,325 people · EPA ID FL6280162
Water Source	Groundwater
Last State Inspection	Jan 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	2 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20