4517 Garden Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4517 Garden Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 1999
Lot Size	0.264 acres (11,535 sqft)
Owner	Individual Name on Record
Last Sale	$132,900 (Jul 2018)
Tax Bill	$3,049 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-01-35-28-020-0120-0270`

Property Details

APN / Parcel Number

Primary APN	`C-01-35-28-020-0120-0270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,509 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,535 sqft (0.264 acres)
Lot Dimensions	125 ft deep x 89 ft wide
Garage Type	Finished
Garage Area	345 sqft
Driveway	Driveway
Driveway Area	660 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	200 sqft
Porch	Open Porch
Porch Area	212 sqft
Patio Area	304 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4517 GARDEN AVE
City	SEBRING
State	FL
Zip	33875-5181
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 27 BLK 12
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	12
Legal Lot Number	27
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1038
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	Individual Name on Record
Mailing Address	4517 GARDEN AVE, SEBRING, FL 33875-5181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 11, 2018	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Feb 27, 2017	Quit Claim Deed, Transfer MORTGAGE CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Feb 27, 2017
Deed Document Number	1903484
Deed Book / Page	2645 / 0391
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4517 GARDEN AVE, SEBRING, FL 33875-5181
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4517 GARDEN AVE, SEBRING, FL 33875-5181

Mortgage

Document Number	0002061864
Date	Nov 1, 2021
Book Page	2862/247
Instrument	2061864

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Sep 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 11, 2018
Property Address	4517 GARDEN AVE, SEBRING, FL 33875-5181
Document Number	0001903484
Book / Page	2645 / 0391
Map Reference	MB7 PG6
Instrument Date	Jul 10, 2018
Instrument	1903484
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 CARRINGTON AVE, 1465, SEBRING, FL 33875-5166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4517 GARDEN AVE, SEBRING, FL 33875-5181

Mortgage

Document Number	0001903485
Date	Jul 11, 2018
Instrument	1903485

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 27, 2017
Property Address	4517 GARDEN AVE, SEBRING, FL 33875-5181
Document Number	0001843789
Book / Page	002567 / 001889
Instrument Date	Feb 2, 2017
Instrument	1843789
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	UNISOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4517 GARDEN AVE SEBRING FL 338755181, SEBRING, FL 33875-5181

Mortgage

Document Number	1843790
Date	Feb 27, 2017
Book Page	002567/001892
Instrument	1843790

Lender

Name	MORTGAGE CAP
Type	Funding / Finance Company
Address	LOS ANGELES, CA 90064

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

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		$220,171 (-0.87%) Land $21,694 Building $198,477	$220,171 (-0.87%) Land $21,694 Building $198,477
2024	$3,049.00 (+1.19%)
2023	$3,013.00 (+21.54%)	$222,102 (+29.41%) Land $17,800 Building $204,302	$222,102 (+29.41%) Land $17,800 Building $204,302
2022	$2,479.00	$171,630 Land $13,350 Building $158,280	$171,630 Land $13,350 Building $158,280

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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 313 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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