4531 Sebring Ave, Sebring, FL 33875 Property Records

Highlands County property record for 4531 Sebring Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,387 sqft · built 1989
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Mar 2025)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-02-35-28-050-1160-0330`

Property Details

APN / Parcel Number

Primary APN	`C-02-35-28-050-1160-0330`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	1,316 sqft
1st Floor Area	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,200 sqft (0.211 acres)
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	144 sqft
Carport	Carport
Carport Area	144 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Vinyl Porch
Porch Area	540 sqft
Shed	1 Shed
Shed Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4531 SEBRING AVE
City	SEBRING
State	FL
Zip	33875-4834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKEWOOD TERRACE ADD SHEET NO 3 PLAT BK 2-PG 94 SLY 1/2 LT 33 + ALL LOT 34 BLK 116
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERRACE ADD SH 3
Legal Block	116
Legal Lot Number	33,34
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2029
Census Tract	961301

Owner

Source: Highlands County records, as of July 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4531 SEBRING AVE, SEBRING, FL 33875-4834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING
Sep 29, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on Record
Deed Sale	Mar 6, 2025 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	20252247115
Deed Book / Page	3101 / 1433
Prior Transfer Date	Jul 28, 2005
Prior Transfer Doc	0001341737
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 16, 2026
Property Address	4531 SEBRING AVE, SEBRING, FL 33875-4834
Document Number	0002321776
Book / Page	3205 / 681
Instrument Date	Jul 10, 2026
Instrument	20262321776
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002321776,
Date	Jul 16, 2026
Book Page	3205/681
Instrument	20262321776

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 29, 2023
Property Address	4531 SEBRING AVE, SEBRING, FL 33875-4834
Document Number	0002171471
Book / Page	3001 / 855
Map Reference	MB 2 PG 94
Instrument Date	Sep 22, 2023
Instrument	2171471
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1679 PRIMROSE LN, SEBRING, FL 33872-9205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 SEBRING AVE, SEBRING, FL 33875-4834

Mortgage

Document Number	0003001857
Date	Sep 29, 2023
Instrument	3001/857

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

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	$2,019.00 (-1.32%)	$167,815 (+108.15%) Land $14,000 Building $153,815	$167,815 (+5.24%) Land $14,000 Building $153,815
2024	$2,046.00 (+137.08%)
2023	$863.00 (+3.6%) Homeowner's exemption	$80,624 (+3%)	$159,455 (+11.3%) Land $12,000 Building $147,455
2022	$833.00 Homeowner's exemption	$78,276	$143,265 Land $7,200 Building $136,065

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.5% 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 286 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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