Highlands County property record for 5118 Pebble Beach Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,912 sqft · built 2019 |
| Lot Size | 0.293 acres (12,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Oct 2023) |
| Tax Bill | $1,269 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C044816035700410 |
| Primary APN | C044816035700410 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,912 sqft Living Area |
| Gross Area | 2,712 sqft |
| 1st Floor Area | 1,717 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,776 sqft (0.293 acres) |
| Lot Dimensions | 125 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 800 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 374 sqft |
| Shed | 1 Shed |
| Shed Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5118 PEBBLE BEACH DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-1765 |
| 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 41 BLK 357 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 357 |
| Legal Lot Number | 41 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 960503 |
Source: Highlands County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2500 ARBUCKLE SHORES RD, FROSTPROOF, FL 33843-5615 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Oct 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU |
| Apr 29, 2020 | Grant Deed, Foreclosure ATTORNEY ONLY |
| Jun 28, 2019 | Loan Modification, Mortgage · Conventional Mortgage HEARTLAND NAT'L BK |
| Dec 3, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage HEARTLAND NAT'L BK |
| Dec 12, 2017 | Warranty Deed, Transfer HEARTLAND TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2023 · Amount on File |
| Deed Sale | Oct 5, 2023 · Amount on File |
| Prior Sale | Apr 29, 2020 · Amount on File |
| Deed Document Number | 20232172354 |
| Deed Book / Page | 3002 / 1295 |
| Prior Transfer Date | Feb 22, 2007 |
| Prior Transfer Doc | 0001442003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 20, 2026 |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0002313880 |
| Book / Page | 3194 / 186 |
| Instrument Date | May 14, 2026 |
| Instrument | 20262313880 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0002313880, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 3194/186 |
| Instrument | 20262313880 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.65% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 5, 2023 |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0002172354 |
| Book / Page | 3002 / 1295 |
| Map Reference | MB 10 PG 4 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2172354 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Name | Verified Name |
|---|---|
| Address | 2500 ARBUCKLE SHORES RD, FROSTPROOF, FL 33843-5615 |
| Document Number | 0030021297 |
|---|---|
| Date | Oct 5, 2023 |
| Instrument | 3002/1297 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 29, 2020 |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0001983954 |
| Book / Page | 002750 / 001209 |
| Instrument Date | Apr 21, 2020 |
| Instrument | 1983954 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $39.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6932 MEXICAN HAL DR SEBRING FL 33872, SEBRING, FL 33872 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0001946540 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5118 PEBBLE BEACH DR SEBRING FL 33872, SEBRING, FL 33872 |
| Document Number | 0001946540 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 002700/001296 |
| Instrument | 1946540 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 3, 2018 |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Book / Page | 002667 / 000262 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 1920156 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 17, 2018 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 WALLABY WAY SEBRING FL 338729239, SEBRING, FL 33872-9239 |
| Document Number | 0001920156 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 002667/000262 |
| Instrument | 1920156 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 2, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 12, 2017 |
| Property Address | 5118 PEBBLE BEACH DR, SEBRING, FL 33872-1765 |
| Document Number | 0001876335 |
| Book / Page | 002611 / 000910 |
| Instrument Date | Nov 29, 2017 |
| Instrument | 1876335 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | HEARTLAND TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 WALLABY WAY SEBRING FL 338729239, SEBRING, FL 33872-9239 |
Source: Highlands County assessment roll, as of December 10, 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 | $1,269.00 (-67.75%) | $303,838 (+55.37%) Land $25,500 Building $278,338 | $303,838 (+0.26%) Land $25,500 Building $278,338 |
| 2024 | $3,935.00 (+58.41%) | ||
| 2023 | $2,484.00 (+1.51%) Homeowner's exemption | $195,554 (+3%) | $303,048 (+19.64%) Land $21,930 Building $281,118 |
| 2022 | $2,447.00 Homeowner's exemption | $189,858 | $253,292 Land $6,375 Building $246,917 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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