4509 Harder Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4509 Harder Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,611 sqft · built 2005
Lot Size	0.234 acres (10,178 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (Jun 2026)
Tax Bill	$1,208 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`C-01-35-28-020-0170-0200`

Property Details

APN / Parcel Number

Primary APN	`C-01-35-28-020-0170-0200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,611 sqft Living Area
Gross Area	2,117 sqft
1st Floor Area	1,611 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,178 sqft (0.234 acres)
Lot Dimensions	125 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	44 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4509 HARDER AVE
City	SEBRING
State	FL
Zip	33875-5128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKE HAVEN ESTATES SEC 1 PB 7 PG 6 LOT 20 BLK 17
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	17
Legal Lot Number	20
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1046
Census Tract	961301

Owner

Source: Highlands County records, as of July 2, 2026

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

Owner of Record	Individual Name on File
Mailing Address	4509 HARDER AVE, SEBRING, FL 33875-5128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
Mar 26, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2026 · Amount on File
Deed Sale	Jun 23, 2026 · Amount on File
Prior Sale	Mar 26, 2026 · Amount on File
Deed Document Number	20262318690
Deed Book / Page	3200 / 1647
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 23, 2026
Property Address	4509 HARDER AVE, SEBRING, FL 33875-5128
Document Number	0002318690
Book / Page	3200 / 1647
Instrument Date	Jun 23, 2026
Instrument	20262318690
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194,354.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 HARDER AVE, SEBRING, FL 33875-5128

Mortgage

Document Number	0002318690,
Date	Jun 23, 2026
Book Page	3200/1649
Instrument	20262318690

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 26, 2026
Property Address	4509 HARDER AVE, SEBRING, FL 33875-5128
Document Number	0002305534
Book / Page	3182 / 311
Map Reference	MB 7 PG 6
Instrument Date	Mar 24, 2026
Instrument	2305534
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8022 SUN N LAKE BLVD, SEBRING, FL 33872

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 SW 5TH AVE, CAPE CORAL, FL 33991-2701

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	$1,208.00 (+3.34%) Homeowner's exemption	$101,914 (+5.99%)	$212,683 (-0.66%) Land $19,988 Building $192,695
2024	$1,169.00 (+4.19%)
2023	$1,122.00 (+2.94%) Homeowner's exemption	$96,157 (+3%)	$214,086 (+16.19%) Land $16,400 Building $197,686
2022	$1,090.00 Homeowner's exemption	$93,356	$184,261 Land $12,300 Building $171,961

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	6 (2004–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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	Moderate above 58% of the US · lower than 69% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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