4510 Harder Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4510 Harder Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,456 sqft · built 1987
Lot Size	0.235 acres (10,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Sep 2019)
Tax Bill	$2,026 (2024)
Deeds & Mortgages	Nov 2022 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C015802001600030`

Property Details

APN / Parcel Number

Primary APN	`C015802001600030`
Alternative APN	`C-01-35-28-020-0160-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,456 sqft Living Area
1st Floor Area	2,057 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	10,255 sqft (0.235 acres)
Lot Dimensions	125 ft deep x 82 ft wide
Garage Type	Finished
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	267 sqft
Fence	Fence
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C015802001600030
Street Address	4510 HARDER AVE
City	SEBRING
State	FL
Zip	33875-5127
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 3 BLK 16
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	16
Legal Lot Number	3
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1045
Census Tract	961301

Owner

Source: Highlands County records, as of December 12, 2025

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	4510 HARDER AVE, SEBRING, FL 33875-5127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 23, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MTG
Mar 7, 2017	Warranty Deed, Transfer · Construction Mortgage HUSTON TOM JR (TE)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	Mar 7, 2017 · Amount on Record
Deed Document Number	0002714345
Deed Book / Page	2714 / 345
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4510 HARDER AVE, SEBRING, FL 33875-5127
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 HARDER AVE, SEBRING, FL 33875-5127

Mortgage

Document Number	0002122469
Date	Nov 3, 2022
Book Page	2939/1877
Instrument	2122469

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 23, 2019
Property Address	4510 HARDER AVE, SEBRING, FL 33875-5127
Document Number	0001957199
Book / Page	002714 / 000345
Instrument Date	Sep 23, 2019
Instrument	1957199
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4510 HARDER AVE SEBRING FL 338755127, SEBRING, FL 33875-5127

Mortgage

Document Number	1957200
Date	Sep 23, 2019
Book Page	002714/000347
Instrument	1957200

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 7, 2017
Property Address	4510 HARDER AVE, SEBRING, FL 33875-5127
Document Number	0001844790
Book / Page	002569 / 000745
Instrument Date	Mar 6, 2017
Instrument	1844790
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	TITLE EXPERTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1175 NE 125TH ST #412 NORTH MIAMI FL 331615011, 412, NORTH MIAMI, FL 33161-5011

Mortgage

Document Number	1844791
Date	Mar 7, 2017
Book Page	002569/000746
Instrument	1844791

Lender

Name	HUSTON TOM JR (TE)
Address	1121 MADRUGA AVE # 401, CORAL GABLES, FL 33146-2931

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 6, 2018

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$173,054 (+7.4%)	$255,877 (+0.25%) Land $19,988 Building $235,889
2024	$2,026.00 (+2.89%)
2023	$1,969.00 (-1.2%) Homeowner's exemption Disabled Person's exemption	$161,130 (+3%)	$255,230 (+16.1%) Land $16,400 Building $238,830
2022	$1,993.00 Homeowner's exemption Disabled Person's exemption	$156,437	$219,827 Land $12,300 Building $207,527

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
Flood Insurance Cost	Premium on Record 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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