520 Elgin St, Sebring, FL 33875 Property Records

Highlands County property record for 520 Elgin St, Sebring, FL 33875 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1991
Square Footage	1,958 sqft Living Area
Lot Size	10,489 sqft (0.24 acres)
Garage	Finished, 420 sqft
Occupancy	Owner Occupied
Tax Bill	$991.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`C015803002500130`
Alternative APN	`C-01-35-28-030-0250-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,958 sqft Living Area
1st Floor	1,654 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Other Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,489 sqft (0.24 acres)
Depth X Width	125 ft x 85 ft Depth x Width
Driveway	1 Driveway
Driveway Area	304 sqft Driveway
Parking Spaces	4 Parking Spaces
Garage Type	Finished Garage
Garage Area	420 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	160 sqft Patio
Porch	Open Porch
Porch Area	634 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Old Parcel Number	C015803002500130
Street Address	520 ELGIN ST
City	SEBRING
State	FL
Zip	33875-1325
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LAKE HAVEN EST SEC 2 PB 7-PG 61 LOT 13 BLK 25
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	LAKE HAVEN EST
Legal Block	25
Legal Lot Number	13
Jurisdiction	HIGHLANDS FL
Minor Civil Division	SEBRING
Census Blockgroup	1
Census Block	1056
Census Tract	961301

Owner

Source: Highlands County records · APN C015803002500130

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	520 ELGIN ST, SEBRING, FL 33875-1325
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2013
Deed Sale	Aug 20, 2013
Deed Doc Number	0002394207
Record Refreshed	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	520 ELGIN ST, SEBRING, FL 33875-1325
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 ELGIN ST, SEBRING, FL 33875-1325

Mortgage

Document Number	0002126874
Date	Dec 06, 2022
Book Page	2945/771
Instrument	2126874

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	Small Business Association Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$92,656 (+7.52%)	$199,408 (+4.26%) Land $20,719 Building $178,689
2024	$991.00 (+7.14%)
2023	$925.00 (-2.94%) Homeowner's exemption Widower's exemption	$86,173 (+3%)	$191,253 (+16.17%) Land $17,000 Building $174,253
2022	$953.00 Homeowner's exemption Widower's exemption	$83,663	$164,626 Land $12,750 Building $151,876

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	About 1 in 285 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.