4523 Garden Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4523 Garden Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,707 sqft · built 2020
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (Dec 2020)
Tax Bill	$2,287 (2024)
Deeds & Mortgages	Aug 2023 Second Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-01-35-28-020-0120-0250`

Property Details

APN / Parcel Number

Primary APN	`C-01-35-28-020-0120-0250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,707 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	294 sqft
Driveway	Driveway
Driveway Area	490 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	169 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4523 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 25 BLK 12
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	12
Legal Lot Number	25
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1038
Census Tract	961301

Owner

4523 Garden Ave is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4523 GARDEN AVE, SEBRING, FL 33875-5181
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 1, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	May 17, 2006 · Amount on File
Deed Document Number	2008745
Deed Book / Page	2787 / 90
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4523 GARDEN AVE, SEBRING, FL 33875-5181
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 GARDEN AVE, SEBRING, FL 33875-5181

Mortgage

Document Number	0002166881
Date	Aug 30, 2023
Book Page	2995/1428
Instrument	2166881

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 1, 2020
Property Address	4523 GARDEN AVE, SEBRING, FL 33875-5181
Document Number	0002008745
Book / Page	2787 / 90
Map Reference	MB 7 PG 6
Instrument Date	Nov 24, 2020
Instrument	2008745
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,379.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1063 SHOTGUN RD, 1063, SUNRISE, FL 33326-1906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1155 MARABELLA RD, LAKE PLACID, FL 33852-5100

Mortgage

Document Number	0000278792
Date	Dec 1, 2020
Instrument	2787/92

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

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		$190,858	$253,646 Land $19,500 Building $234,146
2024	$2,287.00 (+2.1%)
2023	$2,240.00 (+1.5%) Homeowner's exemption	$180,077 (+3%)	$255,167 (+15.93%) Land $16,000 Building $239,167
2022	$2,207.00 Homeowner's exemption	$174,832	$220,101 Land $12,000 Building $208,101

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4523 Garden Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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

Wildfire risk around 4523 Garden Ave is moderate, ranking above 47% of the US, with a 0.1% annual chance of 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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