4405 Maderia Ave, Sebring, FL 33872 Property Records

Highlands County property record for 4405 Maderia Ave, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,772 sqft · built 1978
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Tax Bill	$1,032 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C044802002700200`

Property Details

APN / Parcel Number

Primary APN	`C044802002700200`
Alternative APN	`C-04-34-28-020-0270-0200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,772 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	1,436 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	460 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	376 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4405 MADERIA AVE
City	SEBRING
State	FL
Zip	33872-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUN N LAKE OF SEB UNIT 2 PB 9 PG 48 LOT 20 BLK 27
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LK SEB UNIT 02
Legal Block	27
Legal Lot Number	20
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2049
Census Tract	960504

Owner

4405 Maderia Ave is owned and occupied by an individual who acquired it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4405 MADERIA AVE, SEBRING, FL 33872-2127
Occupancy	Owner Occupied
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

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 27, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Jan 31, 2017	Deed with Mortgage, Transfer ROBERT D MATHEWS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022
Deed Sale	Apr 27, 2022
Prior Sale	Jan 31, 2017 · Amount on File
Deed Document Number	20222090195
Deed Book / Page	2900 / 1691
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4405 MADERIA AVE, SEBRING, FL 33872-2127
Transaction Type	Mortgage
Record Updated	Dec 12, 2023
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 MADERIA AVE, SEBRING, FL 33872-2127

Mortgage

Document Number	0002179300
Date	Nov 22, 2023
Book Page	3011/1502
Instrument	2179300

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	May 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 27, 2022
Property Address	4405 MADERIA AVE, SEBRING, FL 33872-2127
Document Number	0002090195
Book / Page	2900 / 1691
Map Reference	MB 9 PG 48
Instrument Date	Apr 21, 2022
Instrument	2090195
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4401 MADERIA AVE, 4401, SEBRING, FL 33872-2127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 MADERIA AVE, SEBRING, FL 33872-2127

Mortgage

Document Number	0029001693
Date	Apr 27, 2022
Instrument	2900/1693

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

January 2017: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 31, 2017
Property Address	4405 MADERIA AVE, SEBRING, FL 33872-2127
Book / Page	002564 / 000505
Instrument Date	Dec 29, 2016
Instrument	1840813
Transaction Type	Transfer
Record Updated	Feb 15, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 MADERIA AVE SEBRING FL 338722127, SEBRING, FL 33872-2127

Mortgage

Document Number	0001840813
Date	Jan 31, 2017
Book Page	002564/000505
Instrument	1840813

Lender

Name	ROBERT D MATHEWS
Address	4401 MADERIA AVE, SEBRING, FL 33872-2127
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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		$92,209	$164,592 Land $18,500 Building $146,092
2024	$1,032.00 (+4.77%)
2023	$985.00 (+3.47%) Homeowner's exemption	$87,000 (+3%)	$142,354 (+18.62%) Land $11,500 Building $130,854
2022	$952.00 Homeowner's exemption	$84,466	$120,012 Land $5,500 Building $114,512

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

Flood

FEMA maps place 4405 Maderia Ave in Zone X, an area of minimal flood risk.

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	1 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 4405 Maderia Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 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	8 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 144 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

May also be available: CenturyLink.

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