4811 Mercado Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4811 Mercado Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,509 sqft · built 1975
Lot Size	0.289 acres (12,601 sqft)
Owner	2 Individual Names on File
Last Sale	$79,900 (Mar 2016)
Tax Bill	$841 (2024)
Deeds & Mortgages	Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C044813025500020`

Property Details

APN / Parcel Number

Primary APN	`C044813025500020`
Alternative APN	`C-04-34-28-130-2550-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,509 sqft Living Area
1st Floor Area	1,230 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,601 sqft (0.289 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Driveway	Driveway
Driveway Area	936 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	402 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C044813025500020
Street Address	4811 MERCADO DR
City	SEBRING
State	FL
Zip	33872-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUN N LAKE OF SEB UNIT 13 LOT 2 BLK 255
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	MERCADO PLACE
Legal Block	255
Legal Lot Number	2
Legal Unit	13
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	3
Census Block	3008
Census Tract	960503

Owner

4811 Mercado Dr is owned and occupied by two individuals who bought it in March 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	4811 MERCADO DR, SEBRING, FL 33872-1538
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	Mar 18, 2016 · Amount on File
Deed Sale	Mar 18, 2016 · Amount on File
Prior Sale	Nov 18, 2015
Deed Document Number	1807984
Deed Book / Page	2519 / 1612
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4811 MERCADO DR, SEBRING, FL 33872-1538
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002161319
Date	Jul 21, 2023
Book Page	2988/706
Instrument	2161319

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Aug 15, 2033

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		$80,783	$145,569 Land $18,500 Building $127,069
2024	$841.00 (+5.13%)
2023	$800.00 (+2.7%) Homeowner's exemption	$76,219 (+3%)	$142,276 (+18.53%) Land $13,000 Building $129,276
2022	$779.00 Homeowner's exemption	$73,999	$120,034 Land $8,000 Building $112,034

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

Flood

FEMA maps place 4811 Mercado Dr in Zone X, an area of minimal flood risk.

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	6 in force

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 4811 Mercado Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 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	8 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 444 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