538 Broad St, Sebring, FL 33870 Property Records

Highlands County property record for 538 Broad St, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,264 sqft · built 1960
Lot Size	0.325 acres (14,165 sqft)
Owner	Individual Name on Record
Tax Bill	$1,203 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-21-34-29-020-1025-0040`

Property Details

APN / Parcel Number

Primary APN	`C-21-34-29-020-1025-0040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Concrete/Cinder Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,165 sqft (0.325 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Concrete Driveway
Driveway Area	180 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	371 sqft
Patio Area	64 sqft
Shed	1 Shed
Shed Area	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	538 BROAD ST
City	SEBRING
State	FL
Zip	33870-4111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	HIGHLAND VIEW ADD PB 3-PG 120 LOTS 4 + 5 BLK 1025
Legal Range	29E
Legal Township	34S
Legal Section	21
Legal Subdivision	HIGHLAND VIEW ADD
Legal Block	1025
Legal Lot Number	4,5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1032
Census Tract	960900

Owner

Source: Highlands County records, as of October 19, 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 Record
Mailing Address	538 BROAD ST, SEBRING, FL 33870-4111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Oct 1, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	538 BROAD ST, SEBRING, FL 33870-4111
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 BROAD ST, SEBRING, FL 33870-4111

Mortgage

Document Number	0002073235
Date	Jan 19, 2022
Book Page	2878/335
Instrument	2073235

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	538 BROAD ST, SEBRING, FL 33870-4111
Document Number	0001914781
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5388 BROAD ST SEBRING FL 33870, SEBRING, FL 33870

Mortgage

Document Number	0001914781
Date	Oct 16, 2018
Book Page	002660/000660
Instrument	1914781

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 15, 2043

Tax Assessment & Valuation

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	$1,203.00 (+3%)	$66,738 (+161.34%) Land $5,000 Building $61,738	$66,738 (+6.66%) Land $5,000 Building $61,738
2024	$1,168.00 (+281.7%)
2023	$306.00 (+6.25%) Homeowner's exemption	$25,537 (+3%)	$62,570 (+16.98%) Land $2,500 Building $60,070
2022	$288.00 Homeowner's exemption	$24,793	$53,487 Land $2,500 Building $50,987

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

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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