435 S Commerce Ave, Sebring, FL 33870 Property Records

Highlands County property record for 435 S Commerce Ave, Sebring, FL 33870 · Last verified December 2025

Property Highlights

Property Type	Commercial > Office > Office Building
Bathrooms	2 Baths
Year Built	Built 1995
Square Footage	5,279 sqft Gross Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$357,500 (2018)
Tax Bill	$8,971.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`S294907007700040`
Alternative APN	`S-29-34-29-070-0770-0040`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	20 Rooms
Building Area	5,279 sqft Gross Area
1st Floor	4,250 sqft 1st Floor
2nd Floor	945 sqft 2nd Floor
Upper Floors	945 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Custom/Decorative Interior Structure

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Fire Resistance Class	Buildings having fireproofed reinforced concrete frames carrying all wall, floor and roof loads which are all non-combustible.
Roof Construction	Rigid Frame Bar Joint Roof Construction
Roof Material	Builtup (layered Asphalt) Roof
Lot Area	7,500 sqft (0.172 acres)
Depth X Width	150 ft x 50 ft Depth x Width
Canopy Area	84 sqft Canopy

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Old Parcel Number	S294907007700040
Street Address	435 S COMMERCE AVE
City	SEBRING
State	FL
Zip	33870-3702
Property Usage	Commercial Property Usage
Type	Commercial > Office > Office Building
Legal Description	TOWN OF SEBRING 8TH ADD PB 1-PG 3 LOT 4 BLK 77
Legal Range	29E
Legal Township	34S
Legal Section	29
Legal Subdivision	TOWN OF SEBRING
Legal Block	77
Legal Lot Number	4
Jurisdiction	HIGHLANDS FL
Minor Civil Division	SEBRING
Census Blockgroup	1
Census Block	1024
Census Tract	961100

Owner

Source: Highlands County records · APN S294907007700040

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	435 S COMMERCE AVE, SEBRING, FL 33870-3702
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Deed Doc Number	1922748
Deed Book / Page	2670 / 1203
Record Refreshed	Jun 08, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 21, 2018
Property Address	435 S COMMERCE AVE, SEBRING, FL 33870-3702
Document Number	0001922748
Book / Page	002670 / 001203
Instrument Date	Dec 20, 2018
Instrument	1922748
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,502.50
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	6400 CONCORD DR SEBRING FL 338767651, SEBRING, FL 33876-7651

Mortgage

Document Number	1922749
Date	Dec 21, 2018
Book Page	002670/001205
Instrument	1922749

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	60 Months
Due	Dec 20, 2023

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$453,266 (+1.17%) Land $25,000 Building $428,266	$453,266 (+1.17%) Land $25,000 Building $428,266
2024	$8,971.00
2023		$448,028 (+1.74%) Land $25,000 Building $423,028	$448,028 (+1.74%) Land $25,000 Building $423,028
2022	$8,645.00	$440,386 Land $25,000 Building $415,386	$440,386 Land $25,000 Building $415,386

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Indirect within ember reach

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