Highlands County property record for 6401 Concord St, Sebring, FL 33876
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,981 sqft · built 2020 |
| Lot Size | 0.286 acres (12,501 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,900 (Jul 2020) |
| Tax Bill | $2,936 (2024) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | C-15-35-30-072-0ZZ0-0170 |
| Primary APN | C-15-35-30-072-0ZZ0-0170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,981 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 12,501 sqft (0.286 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 200 sqft |
| Porch | Enclosed Porch |
| Patio Area | 490 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 6401 CONCORD ST |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-7627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FAIRWAY LAKES AMENDED REPLAT PB 15 PG 17 LOT 17 BLK ZZ |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | FAIRWAY LAKES REPLAT |
| Legal Block | ZZ |
| Legal Lot Number | 17 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 961000 |
Source: Highlands County records, as of December 12, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 6401 CONCORD ST, SEBRING, FL 33876-7627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK |
| Sep 10, 2019 | Trustee's Deed, Construction Loan · Line of Credit BUILDER FIN INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on Record |
| Deed Sale | Jul 24, 2020 · Amount on Record |
| Prior Sale | Mar 7, 2018 · Amount on Record |
| Deed Document Number | 1992663 |
| Deed Book / Page | 2764 / 139 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jul 24, 2020 |
| Property Address | 6401 CONCORD ST, SEBRING, FL 33876-7627 |
| Document Number | 0001992663 |
| Book / Page | 2764 / 139 |
| Map Reference | MB 15 PG 17 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 1992663 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,574.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1057 LAKE JUNE RD, 1057, LAKE PLACID, FL 33852-8937 |
| Name | Verified Name |
|---|---|
| Address | 6401 CONCORD ST, SEBRING, FL 33876-7627 |
| Document Number | 0002764141 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 2764/141 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 10, 2019 |
| Property Address | 6401 CONCORD ST, SEBRING, FL 33876-7627 |
| Book / Page | 002711 / 001392 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 1955226 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 19, 2019 |
| Title Company | WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1057 LAKE JUNE RD LAKE PLACID FL 338528937, LAKE PLACID, FL 33852-8937 |
| Document Number | 0001955226 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 002711/001392 |
| Instrument | 1955226 |
| Name | BUILDER FIN INC |
|---|---|
| Address | NEW YORK, NY 10022 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 9, 2020 |
| Rate Type | Adjustable Rate |
|---|
Source: Highlands County assessment roll, as of July 1, 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 | $216,268 (+6.38%) | $271,653 (+3.29%) Land $18,500 Building $253,153 | |
| 2024 | $2,936.00 (+3.27%) | ||
| 2023 | $2,843.00 (+1.57%) Homeowner's exemption | $203,306 (+3%) | $263,009 (+4.33%) Land $16,500 Building $246,509 |
| 2022 | $2,799.00 Homeowner's exemption | $197,384 | $252,105 Land $15,000 Building $237,105 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 4 (2017–2022) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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