5108 Lafayette Ave, Sebring, FL 33875 Property Records

Highlands County property record for 5108 Lafayette Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,699 sqft · built 2005
Lot Size	0.27 acres (11,771 sqft)
Owner	Owner Name on File
Last Sale	$25,000 (Nov 2004)
Tax Bill	$448 (2024)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C-01-35-28-030-0290-0160`

Property Details

APN / Parcel Number

Primary APN	`C-01-35-28-030-0290-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,699 sqft Living Area
1st Floor Area	2,310 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,771 sqft (0.27 acres)
Lot Dimensions	125 ft deep x 96 ft wide
Garage Type	Finished
Garage Area	594 sqft
Driveway	Driveway
Driveway Area	544 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	119 sqft
Patio Area	154 sqft
Shed	1 Shed
Shed Area	475 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5108 LAFAYETTE AVE
City	SEBRING
State	FL
Zip	33875-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKE HAVEN ESTATES SEC 2 PB 7-PG 61 LOT 16 BLK 29
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	29
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1036
Census Tract	961301

Owner

The current owner of 5108 Lafayette Ave bought it in November 2004.

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

Owner of Record	Owner Name on File
Mailing Address	5108 LAFAYETTE AVE, SEBRING, FL 33875-5631
Occupancy	Owner Occupied

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	Name on Deed
Last Sale	Nov 22, 2004 · Amount on File
Deed Sale	Nov 22, 2004 · Amount on File
Prior Sale	Jun 4, 2004 · Amount on File
Deed Document Number	1281021
Deed Book / Page	1805 / 0287
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5108 LAFAYETTE AVE, SEBRING, FL 33875-5631
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001888333
Date	Mar 14, 2018
Book Page	2625/1692
Instrument	1888333

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 7, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$144,259	$286,796 Land $23,400 Building $263,396
2024	$448.00 (+8.74%)
2023	$412.00 (+4.57%) Disabled Person's exemption Veteran's exemption	$136,110 (+3%)	$287,554 (+15.35%) Land $19,200 Building $268,354
2022	$394.00 Disabled Person's exemption Veteran's exemption	$132,146	$249,290 Land $14,400 Building $234,890

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

Flood

FEMA maps place 5108 Lafayette Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 File 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	Hurricane Irma, Sep 2017 · 3 claims

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 5108 Lafayette Ave is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKESIDE NEUROLOGIC (FKA F.I.N.R.) private · serves 60 people · EPA ID FL6254774
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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.

Internet Providers

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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