Highlands County property record for 4538 Lafayette Ave, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,362 sqft · built 1983 |
| Lot Size | 0.019 acres (838 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $55,900 (Aug 2003) |
| Tax Bill | $692 (2025) |
| Deeds & Mortgages | Feb 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C0158023000000A0 |
| Primary APN | C0158023000000A0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,316 sqft Living Area |
| 1st Floor Area | 596 sqft |
| Upper Floors Area | 624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 838 sqft (0.019 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 374 sqft |
| Porch | Florida Room |
| Porch Area | 361 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4538 LAFAYETTE AVE |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-5217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LAKE HAVEN VILLAS OR 724-PG 244 UNIT A BEING A PORTION OF LOT 12 + 1/8 INTEREST IN COMMON ELEMENTS |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 01 |
| Legal Subdivision | LAKE HAVEN VILLAS |
| Legal Block | 9 |
| Legal Lot Number | 12,1 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 961301 |
Source: Highlands County records, as of October 12, 2026
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 | PO BOX 8138, SEBRING, FL 33872-0119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2003 · Amount on Record |
| Deed Sale | Aug 27, 2003 · Amount on Record |
| Deed Document Number | 20031207709 |
| Deed Book / Page | 1698 / 1991 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4538 LAFAYETTE AVE, SEBRING, FL 33875-5217 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002079413 |
|---|---|
| Date | Feb 21, 2022 |
| Book Page | 2886/50 |
| Instrument | 2079413 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2027 |
Source: Highlands County assessment roll, as of December 10, 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 | $692.00 (+2.22%) Homeowner's exemption | $54,476 (+5.99%) | $103,553 (-11.15%) Land $6,000 Building $97,553 |
| 2024 | $677.00 (+3.2%) | ||
| 2023 | $656.00 (+1.86%) Homeowner's exemption | $51,399 (+3%) | $116,550 (+29.83%) Land $4,000 Building $112,550 |
| 2022 | $644.00 Homeowner's exemption | $49,902 | $89,768 Land $4,000 Building $85,768 |
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 |
| 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 |
|
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 | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE JOSEPHINE HEIGHTS private · serves 1,325 people · EPA ID FL6280162 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
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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