4545 Shad Dr, Sebring, FL 33870 Property Records

Highlands County property record for 4545 Shad Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1998
Lot Size	0.253 acres (11,035 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jan 2023)
Tax Bill	$2,490 (2024)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C104806100700290`

Property Details

APN / Parcel Number

Primary APN	`C104806100700290`
Alternative APN	`C-10-34-28-061-0070-0290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	1,820 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,035 sqft (0.253 acres)
Lot Dimensions	125 ft deep x 88 ft wide
Garage Type	Finished
Garage Area	466 sqft
Driveway	Driveway
Driveway Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C104806100700290
Street Address	4545 SHAD DR
City	SEBRING
State	FL
Zip	33870-8497
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING RIDGE SEC G PB 12 PG 28 LOT 29 BLK 7
Legal Range	28E
Legal Township	34S
Legal Section	10
Legal Subdivision	SEBRING RIDGE SEC G
Legal Block	7
Legal Lot Number	29
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2035
Census Tract	960104

Owner

4545 Shad Dr is owned and occupied by an individual who bought it in January 2023.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4545 SHAD DR, SEBRING, FL 33870-8497
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on File
Deed Sale	Jan 27, 2023 · Amount on File
Prior Sale	Apr 24, 2013 · Amount on File
Deed Document Number	2134052
Deed Book / Page	2953 / 1945
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 27, 2023
Property Address	4545 SHAD DR, SEBRING, FL 33870-8497
Document Number	0002134052
Book / Page	2953 / 1945
Map Reference	MB 12 PG 28
Instrument Date	Jan 23, 2023
Instrument	2134052
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5501 SENTIERO DR, NOKOMIS, FL 34275-2378

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 S GRAHAM CREEK RD, COVINGTON, IN 47932-8186

Mortgage

Document Number	0029531947
Date	Jan 27, 2023
Instrument	2953/1947

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

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		$200,602 Land $20,000 Building $180,602	$200,602 Land $20,000 Building $180,602
2024	$2,490.00 (-15.74%)
2023	$2,955.00 (+28.14%)	$192,880 (+18%) Land $16,000 Building $176,880	$192,880 (+18%) Land $16,000 Building $176,880
2022	$2,306.00	$163,461 Land $11,250 Building $152,211	$163,461 Land $11,250 Building $152,211

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4545 Shad Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	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

Wildfire risk around 4545 Shad Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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.

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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