5109 Lafayette Ave, Sebring, FL 33875 Property Records

Highlands County property record for 5109 Lafayette Ave, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,928 sqft · built 2004
Lot Size	0.228 acres (9,962 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Oct 2018)
Tax Bill	$1,646 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C015803002100150`

Property Details

APN / Parcel Number

Primary APN	`C015803002100150`
Alternative APN	`C-01-35-28-030-0210-0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,928 sqft Living Area
1st Floor Area	1,554 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,962 sqft (0.228 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	551 sqft
Driveway	Driveway
Driveway Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	108 sqft
Patio Area	252 sqft
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C015803002100150
Street Address	5109 LAFAYETTE AVE
City	SEBRING
State	FL
Zip	33875-5615
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 15 BLK 21
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	21
Legal Lot Number	15
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1057
Census Tract	961301

Owner

5109 Lafayette Ave is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615
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

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · USDA Mortgage USDA
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on File
Deed Sale	Oct 29, 2018 · Amount on File
Prior Sale	Feb 25, 2005 · Amount on File
Deed Document Number	1916260
Deed Book / Page	2662 / 0119
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615

Mortgage

Document Number	0002189897
Date	Feb 14, 2024
Book Page	3025/1343
Instrument	2189897

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Mar 1, 2050

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	METROPLEX TITLE INC, METROPLEX TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615

Mortgage

Document Number	0002285232
Date	Oct 28, 2025
Book Page	3153/727
Instrument	2285232

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company
Address	TAMPA, FL 33614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001977301
Date	Feb 27, 2020
Book Page	2741/334
Instrument	1977301

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company
Address	TAMPA, FL 33614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 29, 2018
Property Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615
Document Number	0001916260
Book / Page	2662 / 0119
Map Reference	MB7 PG61
Instrument Date	Oct 26, 2018
Instrument	1916260
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4534 SELAH RD, 4534, SEBRING, FL 33875-4761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 LAFAYETTE AVE, SEBRING, FL 33875-5615

Mortgage

Document Number	0001916261
Date	Oct 29, 2018
Instrument	1916261

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

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		$139,055	$219,200 Land $19,500 Building $199,700
2024	$1,646.00 (+3%)
2023	$1,598.00 (+2.17%) Homeowner's exemption	$131,200 (+3%)	$220,460 (+15.84%) Land $16,000 Building $204,460
2022	$1,564.00 Homeowner's exemption	$127,379	$190,310 Land $12,000 Building $178,310

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

Flood

FEMA maps place 5109 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 5109 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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