4874 Pebble Beach Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4874 Pebble Beach Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,439 sqft · built 2004
Lot Size	0.293 acres (12,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Nov 2022)
Tax Bill	$4,092 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C-04-34-28-160-3580-0460`

Property Details

APN / Parcel Number

Primary APN	`C-04-34-28-160-3580-0460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	2,739 sqft
1st Floor Area	1,759 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,780 sqft (0.293 acres)
Lot Dimensions	125 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	588 sqft
Driveway	Concrete Driveway
Driveway Area	1,197 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	160 sqft
Porch	Florida Room
Porch Area	435 sqft
Patio Area	704 sqft
Shed	1 Shed
Shed Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4874 PEBBLE BEACH DR
City	SEBRING
State	FL
Zip	33872-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SUN N LAKE EST OF SEBRING UNIT 16 PB 10 PG 4 LOT 46 BLK 358
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	358
Legal Lot Number	46
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2025
Census Tract	960503

Owner

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	2 Individual Names on Record
Mailing Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU
Oct 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICK LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Dec 23, 2020 · Amount on Record
Deed Document Number	20222124273
Deed Book / Page	2942 / 153
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 17, 2022
Property Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736
Document Number	0002124273
Book / Page	2942 / 153
Map Reference	MB 10 PG 4
Instrument Date	Nov 16, 2022
Instrument	2124273
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4874 PEBBLE BEACH DR, 4874, SEBRING, FL 33872-1736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002054626
Date	Sep 21, 2021
Book Page	2852/725
Instrument	2054626

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 23, 2020
Property Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736
Document Number	0002012273
Book / Page	2792 / 190
Map Reference	MB 10 PG 4
Instrument Date	Dec 21, 2020
Instrument	2012273
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 HAMMOCK RD, 1004, SEBRING, FL 33870-6219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736

Mortgage

Document Number	0002792193
Date	Dec 23, 2020
Instrument	2792/193

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4874 PEBBLE BEACH DR, SEBRING, FL 33872-1736
Document Number	0001867971
Book / Page	002601 / 001128
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4874 PEBBLE BEACH DR SEBRING FL 338721736, SEBRING, FL 33872-1736

Mortgage

Document Number	0001867971
Date	Oct 9, 2017
Book Page	002601/001128
Instrument	1867971

Lender

Name	QUICK LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2047

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	$4,092.00 (+30.19%) Homeowner's exemption	$255,713 (+10.61%)	$330,641 (+2.8%) Land $28,110 Building $302,531
2024	$3,143.00 (+6.22%)
2023	$2,959.00 (-5.1%) Homeowner's exemption	$231,183 (-3.11%)	$321,623 (+16.9%) Land $23,000 Building $298,623
2022	$3,118.00 Homeowner's exemption	$238,609	$275,137 Land $14,822 Building $260,315

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

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
Flood Insurance Cost	Premium on Record median of 67 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jun 2017 · other causes

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 64% of the US · above 41% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 111 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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