Highlands County property record for 5316 Riverway Dr, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 888 sqft · built 2004 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,000 (Mar 2005) |
| Tax Bill | $2,111 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C-03-36-29-021-0080-0310 |
| Primary APN | C-03-36-29-021-0080-0310 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 888 sqft Living Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 888 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,400 sqft (0.193 acres) |
| Lot Dimensions | 105 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 580 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 282 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5316 RIVERWAY DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEBRING LAKES REPLAT PB 8 PG 45 LOTS 31 + 32 BLK 8 |
| Legal Range | 29E |
| Legal Township | 36S |
| Legal Section | 03 |
| Legal Subdivision | SEBRING LAKES UNIT 1A-1B RPLT |
| Legal Block | 8 |
| Legal Lot Number | 31,32 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 961304 |
Source: Highlands County records · APN C-03-36-29-021-0080-0310
Assessment roll updated December 10, 2025 · Last verified August 2026
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 | 632 BLUE SKIES DR, LAKE PLACID, FL 33852-4800 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 05, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Apr 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2005 · Amount on Record |
| Deed Sale | Mar 23, 2005 · Amount on Record |
| Prior Sale | Feb 25, 2004 · Amount on Record |
| Deed Document Number | 20051303918 |
| Deed Book / Page | 1835 / 1692 |
| Last Transfer Date | Jun 30, 2016 |
| Transfer Doc | 0001820181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 05, 2026 |
| Property Address | 5316 RIVERWAY DR, SEBRING, FL 33875-9741 |
| Document Number | 0002324623 |
| Book / Page | 3209 / 1125 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20262324623 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 632 BLUE SKIES DR, LAKE PLACID, FL 33852-4800 |
| Document Number | 0002324623, |
|---|---|
| Date | Aug 05, 2026 |
| Book Page | 3209/1125 |
| Instrument | 20262324623 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 5316 RIVERWAY DR, SEBRING, FL 33875-9741 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 632 BLUE SKIES DR, LAKE PLACID, FL 33852-4800 |
| Document Number | 0002145501 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 2967/1772 |
| Instrument | 2145501 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2038 |
Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
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 | $2,111.00 (-1.59%) | $136,758 (-9.27%) Land $9,000 Building $127,758 | $136,758 (-9.27%) Land $9,000 Building $127,758 |
| 2024 | $2,145.00 (-7.66%) | ||
| 2023 | $2,323.00 (+264.11%) | $150,728 (+188.67%) Land $6,000 Building $144,728 | $150,728 (+39.18%) Land $6,000 Building $144,728 |
| 2022 | $638.00 Homeowner's exemption | $52,214 | $108,296 Land $5,000 Building $103,296 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), as of November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559613041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 92 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6280162, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE JOSEPHINE HEIGHTS private · serves 1,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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