5126 Kay Ln, Sebring, FL 33875 Property Records

Highlands County property record for 5126 Kay Ln, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,082 sqft · built 1979
Lot Size	0.764 acres (33,286 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (May 2026)
Tax Bill	$416 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C015803002200040`

Property Details

APN / Parcel Number

Primary APN	`C015803002200040`
Alternative APN	`C-01-35-28-030-0220-0040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,082 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,567 sqft
Upper Floors Area	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	33,286 sqft (0.764 acres)
Lot Dimensions	239 ft deep x 216 ft wide
Garage Type	Attached
Garage Area	286 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Porch	Florida Room
Porch Area	35 sqft
Patio Area	324 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5126 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 ESTATES SEC 2 PB 7 PG 61 LOTS 4 + 5 BLK 22
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN ESTATES
Legal Block	22
Legal Lot Number	4,5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1058
Census Tract	961301

Owner

5126 Kay Ln is owned and occupied by an individual who bought it in May 2026.

Source: Highlands County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	30 COLONY ST, STRATFORD, CT 06615-5726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jan 27, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Mar 2, 2015 · Amount on File
Deed Document Number	20262314471
Deed Book / Page	3194 / 1682
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5126 KAY LN, SEBRING, FL 33875-5627
Transaction Type	Mortgage
Record Updated	Jun 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5126 KAY LN, SEBRING, FL 33875-5627

Mortgage

Document Number	0002016592
Date	Jan 27, 2021
Book Page	2798/1222
Instrument	2016592

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 26, 2026
Property Address	5126 KAY LN, SEBRING, FL 33875-5627
Document Number	0002314471
Book / Page	3194 / 1682
Instrument Date	May 21, 2026
Instrument	20262314471
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COLONY ST, STRATFORD, CT 06615-5726

Mortgage

Document Number	0002314472,
Date	May 26, 2026
Instrument	20262314472

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5126 KAY LN, SEBRING, FL 33875-5627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001949191
Date	Jul 22, 2019
Book Page	2703/1705
Instrument	1949191

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5126 KAY LN, SEBRING, FL 33875-5627
Document Number	0001985426
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5126 KAY LN SEBRING FL 338755627, SEBRING, FL 33875-5627

Mortgage

Document Number	0001985426
Date	May 13, 2020
Book Page	002752/001657
Instrument	1985426

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5126 Kay Ln was $416 with a veteran's exemption, up 1.5% from the year before.

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	$416.00 (+1.46%) Veteran's exemption	$172,048	$285,438 Land $55,000 Building $230,438
2024	$410.00 (+7.89%)
2023	$380.00 (+4.11%) Disabled Person's exemption Veteran's exemption	$162,329 (+3%)	$282,908 (+18.85%) Land $48,000 Building $234,908
2022	$365.00 Disabled Person's exemption Veteran's exemption	$157,601	$238,036 Land $34,000 Building $204,036

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.

Flood

FEMA maps place 5126 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	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 5126 Kay Ln is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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