Highlands County property record for 4501 Mercado Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 884 sqft · built 1986 |
| Lot Size | 0.025 acres (1,074 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (May 2024) |
| Tax Bill | $2,841 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044813025500131 |
| Primary APN | C044813025500131 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| Gross Area | 1,144 sqft |
| 1st Floor Area | 884 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 1,074 sqft (0.025 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 416 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
|---|---|
| Porch Area | 472 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4501 MERCADO DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | MERCADO PLACE PER OR 908 PG 443 UNIT 1 + 1/3 INT IN COMMON AREA |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | MERCADO PLACE |
| Legal Block | 255 |
| Legal Lot Number | 13 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 960503 |
Source: Highlands County records, as of June 10, 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 | 4501 MERCADO DR, SEBRING, FL 33872-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jun 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOC L.P |
| Jul 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2024 · Amount on Record |
| Deed Sale | May 10, 2024 · Amount on Record |
| Prior Sale | Jul 8, 2021 · Amount on Record |
| Deed Document Number | 20242203138 |
| Deed Book / Page | 3043 / 339 |
| Prior Transfer Date | Jun 18, 2003 |
| Prior Transfer Doc | 0001200380 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 4, 2026 |
| Property Address | 4501 MERCADO DR, SEBRING, FL 33872-1526 |
| Document Number | 0002315745 |
| Book / Page | 3196 / 1322 |
| Instrument Date | May 27, 2026 |
| Instrument | 20262315745 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4501 MERCADO DR, SEBRING, FL 33872-1526 |
| Document Number | 0002315745, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 3196/1322 |
| Instrument | 20262315745 |
| Name | PROVIDENT FUNDING ASSOC L.P |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jul 8, 2021 |
| Property Address | 4501 MERCADO DR, SEBRING, FL 33872-1526 |
| Document Number | 0002043080 |
| Book / Page | 2836 / 220 |
| Map Reference | MB 9 PG 71 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2043080 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | BROKERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 WOODRIDGE DR, 425, CANADA XX |
| Name | Verified Name |
|---|---|
| Address | 11 DORCHESTER A # F, F, WEST PALM BCH, FL 33417-1423 |
| Document Number | 0002836222 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 2836/222 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: Highlands County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,841.00 (+225.06%) | $128,469 (+79.5%) Land $10,000 Building $118,469 | $128,469 (+30.23%) Land $10,000 Building $118,469 |
| 2024 | $874.00 (+17.95%) | ||
| 2023 | $741.00 (+1.37%) Homeowner's exemption | $71,570 (+3%) | $98,649 (+11.38%) Land $4,290 Building $94,359 |
| 2022 | $731.00 Homeowner's exemption | $69,485 | $88,568 Land $2,640 Building $85,928 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 444 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 |
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