Highlands County property record for 5118 Kay Ln, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,111 sqft · built 1986 |
| Lot Size | 0.345 acres (15,061 sqft) |
| Owner | Individual Name on File |
| Last Sale | $76,000 (Aug 1996) |
| Tax Bill | $1,175 (2024) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C015803002200060 |
| Primary APN | C015803002200060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,111 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,061 sqft (0.345 acres) |
| Lot Dimensions | 125 ft deep x 120 ft wide |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 1,120 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C015803002200060 |
|---|---|
| Street Address | 5118 KAY LN |
| City | SEBRING |
| State | FL |
| Zip | 33875-5627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | LAKE HAVEN EST SEC 2 PB 7-PG 61 LOT 6 BLK 22 |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 01 |
| Legal Subdivision | LAKE HAVEN EST |
| Legal Block | 22 |
| Legal Lot Number | 6 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 961301 |
5118 Kay Ln is owned and occupied by an individual who acquired it in October 2005.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5118 KAY LN, SEBRING, FL 33875-5627 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 1996 · Amount on File |
| Deed Sale | Aug 16, 1996 · Amount on File |
| Deed Document Number | 0013410362 |
| Deed Book / Page | C0158 |
| Last Transfer Date | Oct 19, 2005 |
| Transfer Doc | 0001353558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 5118 KAY LN, SEBRING, FL 33875-5627 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Title Company | TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 5118 KAY LN, SEBRING, FL 33875-5627 |
| Document Number | 0002112977 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 2928/1297 |
| Instrument | 2112977 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $100,691 | $215,798 Land $29,250 Building $186,548 | |
| 2024 | $1,175.00 (+4.44%) | ||
| 2023 | $1,125.00 (+3.02%) Homeowner's exemption | $95,003 (+3%) | $214,755 (+16.85%) Land $24,000 Building $190,755 |
| 2022 | $1,092.00 Homeowner's exemption | $92,236 | $183,791 Land $18,000 Building $165,791 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5118 Kay Ln 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 |
|
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 risk around 5118 Kay Ln 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.
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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