449 Matlo Ave, Sebring, FL 33870 Property Records

Highlands County property record for 449 Matlo Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 824 sqft · built 1958
Lot Size	0.167 acres (7,259 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Apr 2021)
Tax Bill	$1,195 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`S204909012200220`

Property Details

APN / Parcel Number

Primary APN	`S204909012200220`
Alternative APN	`S-20-34-29-090-1220-0220`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	824 sqft Living Area
Gross Area	1,024 sqft
1st Floor Area	728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1970
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,259 sqft (0.167 acres)
Lot Dimensions	135 ft deep x 49 ft wide
Garage Type	Attached
Garage Area	200 sqft
Driveway	Concrete Driveway
Driveway Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	449 MATLO AVE
City	SEBRING
State	FL
Zip	33870-7018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LA PALOMA SUB PB 1-PG 44 LOT 22-LESS RD R/W BLK 122
Legal Range	29E
Legal Township	34S
Legal Section	20
Legal Subdivision	LA PALOMA
Legal Block	122
Legal Lot Number	22
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2010
Census Tract	960800

Owner

Source: Highlands County assessment roll, as of December 10, 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
Mailing Address	449 MATLO AVE, SEBRING, FL 33870-7018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Warranty Deed, Transfer · USDA Mortgage CELEBRITY HOME LOANS LLC
Jul 1, 2018	Loan Modification, Mortgage · Conventional with PMI JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2021 · Amount on Record
Deed Sale	Apr 13, 2021 · Amount on Record
Prior Sale	Jul 3, 2002 · Amount on Record
Deed Document Number	20212028914
Deed Book / Page	2815 / 1347
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 13, 2021
Property Address	449 MATLO AVE, SEBRING, FL 33870-7018
Document Number	0002028914
Book / Page	2815 / 1347
Map Reference	MB 1 PG 44
Instrument Date	Apr 8, 2021
Instrument	2028914
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1604, SEBRING, FL 33871-1604

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	449 MATLO AVE, SEBRING, FL 33870-7018

Mortgage

Document Number	0028151349
Date	Apr 13, 2021
Instrument	2815/1349

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	449 MATLO AVE, SEBRING, FL 33870-7018
Document Number	0001909115
Instrument Date	Jul 1, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1604 SEBRING FL 338711604, SEBRING, FL 33871-1604

Mortgage

Document Number	0001909115
Date	Aug 24, 2018
Book Page	002652/001328
Instrument	1909115

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	216 Months
Due	Aug 23, 2036

Interest

Rate	4.37%

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	$1,195.00 (+6.89%) Homeowner's exemption	$82,666 (+5.99%)	$105,218 (+12.36%) Land $9,506 Building $95,712
2024	$1,118.00 (+6.99%)
2023	$1,045.00 (+8.85%) Homeowner's exemption	$77,996 (+3%)	$93,645 (+23.67%) Land $7,130 Building $86,515
2022	$960.00 Homeowner's exemption	$75,724 Land $7,130 Building $68,594	$75,724 Land $7,130 Building $68,594

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 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Internet Providers

Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Matlo Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures