4525 Whiting Dr, Sebring, FL 33870 Property Records

Highlands County property record for 4525 Whiting Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1989
Lot Size	0.735 acres (32,027 sqft)
Owner	2 Company Names on Record
Last Sale	$197,000 (Aug 2020)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Jun 2026 Sale Jan 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C104806000015400`

Property Details

APN / Parcel Number

Primary APN	`C104806000015400`
Alternative APN	`C-10-34-28-060-0001-5400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	1,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	32,027 sqft (0.735 acres)
Lot Dimensions	375 ft deep x 255 ft wide
Garage Type	Attached
Garage Area	480 sqft
Driveway	Concrete Driveway
Driveway Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	36 sqft
Porch	Florida Room
Porch Area	292 sqft
Patio Area	772 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4525 WHITING DR
City	SEBRING
State	FL
Zip	33870-8441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING RIDGE SEC F PB 8-PG 64 LOTS 1540 TO 1542 INC
Legal Range	28E
Legal Township	34S
Legal Section	10
Legal Subdivision	SEBRING RIDGE SEC F
Legal Lot Number	1540
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2040
Census Tract	960104

Owner

Source: Highlands County records, as of June 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4525 WHITING DR, SEBRING, FL 33870-8441
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit CREWS BANK & TRUST
Feb 19, 2026	Intrafamily Transfer, Transfer · Line of Credit CREWS BANK & TRUST
Nov 17, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 10, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202027671524
Deed Book / Page	2767 / 1524
Last Transfer Date	Mar 15, 2021
Transfer Doc	0002023749
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 3, 2026
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Document Number	0002315676
Book / Page	3196 / 1104
Instrument Date	May 16, 2026
Instrument	20262315676
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4525 WHITING DR, SEBRING, FL 33870-8441

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Mortgage

Document Number	0002296546
Date	Jan 28, 2026
Book Page	3169/1435
Instrument	2296546

Lender

Name	CREWS BANK & TRUST
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 19, 2026
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Document Number	0002300424
Book / Page	3174 / 1739
Map Reference	MB 8 PG 64
Instrument Date	Jan 7, 2026
Instrument	2300424
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Mortgage

Document Number	0031691435
Date	Feb 19, 2026
Instrument	3169/1435

Lender

Name	CREWS BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jan 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 17, 2025
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Document Number	0002288012
Book / Page	3157 / 771
Map Reference	MB 8 PG 64
Instrument Date	Nov 17, 2025
Instrument	2288012
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4525 WHITING DR, SEBRING, FL 33870-8441

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 10, 2023
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Document Number	0002172893
Book / Page	3003 / 602
Map Reference	MB 8 PG 64
Instrument Date	Oct 9, 2023
Instrument	2172893
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4525 WHITING DR, SEBRING, FL 33870-8441

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 WHITING DR, SEBRING, FL 33870-8441

Mortgage

Document Number	0002009245
Date	Dec 3, 2020
Book Page	2787/1392
Instrument	2009245

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 15, 2021
Property Address	4525 WHITING DR, SEBRING, FL 33870-8441
Document Number	0002023749
Book / Page	2808 / 1145
Map Reference	MB 8 PG 64
Instrument Date	Mar 15, 2021
Instrument	2023749
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4525 WHITING DR, SEBRING, FL 33870-8441

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	$2,154.00 (+3.26%)	$180,990 (+5.99%)	$256,630 (+4.8%) Land $60,000 Building $196,630
2024	$2,086.00 (+2.46%)
2023	$2,036.00 (-1.31%) Homeowner's exemption Disabled Person's exemption	$170,766 (+3%)	$244,876 (+19.07%) Land $48,000 Building $196,876
2022	$2,063.00 Homeowner's exemption Disabled Person's exemption	$165,792	$205,657 Land $33,750 Building $171,907

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 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

May also be available: AT&T.

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