Highlands County property record for 4523 Mercado Dr, Sebring, FL 33872
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,486 sqft · built 1981 |
| Lot Size | 0.039 acres (1,704 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,500 (Dec 2021) |
| Tax Bill | $1,673 (2024) |
| Deeds & Mortgages | Dec 2021 Sale Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C-04-34-28-130-255B-1020 |
| Primary APN | C-04-34-28-130-255B-1020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,486 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,704 sqft (0.039 acres) |
| Porch | Open Porch |
| Porch Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 4523 MERCADO DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-1526 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | THE CAMPBELL TOWNHOMES OR 695 PG 288 UNIT 102 + 1/6 INTEREST IN COMMON ELEMENTS |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | PATIO HOMES SNL SEBRING |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 960503 |
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 | 4523 MERCADO DR, SEBRING, FL 33872-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Warranty Deed, Transfer INTEGRITY FIRST TITLE, INTEGRITY FIRST TITLE LLC |
| Oct 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUDDLE VON T LIVING TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on Record |
| Deed Sale | Dec 1, 2021 · Amount on Record |
| Prior Sale | Oct 14, 2020 · Amount on Record |
| Deed Document Number | 2066434 |
| Deed Book / Page | 2868 / 1323 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 1, 2021 |
| Property Address | 4523 MERCADO DR, SEBRING, FL 33872-1526 |
| Document Number | 0002066434 |
| Book / Page | 2868 / 1323 |
| Map Reference | MB 9 PG 71 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2066434 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | INTEGRITY FIRST TITLE, INTEGRITY FIRST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,109.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3600 MONZA DR, 3600, SEBRING, FL 33872-2018 |
| Name | Verified Name |
|---|---|
| Address | 4523 MAJORCA DR, SEBRING, FL 33872 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 14, 2020 |
| Property Address | 4523 MERCADO DR, SEBRING, FL 33872-1526 |
| Document Number | 0002002602 |
| Book / Page | 002778 / 000002 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 2002602 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2020 |
| Title Company | LP TITLE COMPANY, LP TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $588.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4523 MERCADO DR SEBRING FL 338721526, SEBRING, FL 33872-1526 |
| Document Number | 2002603 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 002778/000639 |
| Instrument | 2002603 |
| Name | RUDDLE VON T LIVING TRUST |
|---|---|
| Address | VERO BEACH, FL 32966 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 13, 2025 |
Source: Highlands County assessment roll, as of July 1, 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 | $146,168 (+13.11%) | $157,248 (+21.68%) Land $10,000 Building $147,248 | |
| 2024 | $1,673.00 (-15.72%) | ||
| 2023 | $1,985.00 (+11.83%) | $129,230 (+21.32%) Land $4,290 Building $124,940 | $129,230 (+21.32%) Land $4,290 Building $124,940 |
| 2022 | $1,775.00 | $106,522 Land $2,640 Building $103,882 | $106,522 Land $2,640 Building $103,882 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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