4530 Garden Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4530 Garden Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,462 sqft · built 2024
Lot Size	0.277 acres (12,067 sqft)
Owner	Individual Name on Record
Last Sale	$414,000 (Aug 2025)
Tax Bill	$531 (2024)
Deeds & Mortgages	Jan 2024 Construction Loan Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-01-35-28-020-0110-0040`

Property Details

APN / Parcel Number

Primary APN	`C-01-35-28-020-0110-0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,462 sqft Living Area
Flooring	Cork
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,067 sqft (0.277 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	414 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4530 GARDEN AVE
City	SEBRING
State	FL
Zip	33875-5101
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 4 BLK 11
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	11
Legal Lot Number	4
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1039
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	4530 GARDEN AVE, SEBRING, FL 33875-5101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Construction Mortgage ELS HOLDINGS LLC
Aug 13, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jun 6, 2022	Warranty Deed, Transfer ORLANDO TITLE SERVICES LLC, LAND TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2025 · Amount on Record
Deed Sale	Aug 13, 2025 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	2273352
Deed Book / Page	3137 / 1394
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4530 GARDEN AVE, SEBRING, FL 33875-5101
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6073 NW 167TH ST, HIALEAH, FL 33015-4336
Investor	Possibly a Property Investor

Mortgage

Document Number	0002185873
Date	Jan 12, 2024
Book Page	3020/781
Instrument	2185873

Lender

Name	ELS HOLDINGS LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33181

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	19 Months
Due	Aug 1, 2025

August 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 13, 2025
Property Address	4530 GARDEN AVE, SEBRING, FL 33875-5101
Document Number	0002273352
Book / Page	3137 / 1394
Map Reference	MB 7 PG 6
Instrument Date	Jul 18, 2025
Instrument	2273352
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,898.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	951 SW 121ST AVE, DAVIE, FL 33325-3807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4530 GARDEN AVE, SEBRING, FL 33875-5101
Investor	Possibly a Property Investor

Mortgage

Document Number	0031371396
Date	Aug 13, 2025
Instrument	3137/1396

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 6, 2022
Property Address	4530 GARDEN AVE, SEBRING, FL 33875-5101
Document Number	0002097962
Book / Page	2910 / 120
Map Reference	MB 7 PG 6
Instrument Date	Jun 3, 2022
Instrument	2097962
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ORLANDO TITLE SERVICES LLC, LAND TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3470 SW 149TH AVE, MIAMI, FL 33185-4852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6073 NW 167TH ST STE C27, C27, HIALEAH, FL 33015-4390
Investor	Possibly a Property Investor

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		$346,753 (+1,769.29%) Land $20,670 Building $326,083	$346,753 (+1,769.29%) Land $20,670 Building $326,083
2024	$531.00 (+9.48%)	$18,550 (+9.38%) Land $18,550	$18,550 (+9.38%) Land $18,550
2023	$485.00 (+185.29%)	$16,960 (+33.33%) Land $16,960	$16,960 (+33.33%) Land $16,960
2022	$170.00	$12,720 Land $12,720	$12,720 Land $12,720

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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