Highlands County property record for 646 Arcola Dr, Sebring, FL 33875 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 3,427 sqft Living Area |
| Lot Size | 54,747 sqft (1.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $425,900 (2017) |
| Tax Bill | $6,070.00 (2025) |
| Primary APN | C335902300000040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Building Area | 3,427 sqft Living Area |
| Gross Area | 5,123 sqft Gross Area |
| 1st Floor | 2,262 sqft 1st Floor |
| Upper Floors | 1,342 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 54,747 sqft (1.25 acres) |
| Depth X Width | 680 ft x 160 ft Depth x Width |
| Driveway | Driveway Concrete |
| Driveway Area | 1,080 sqft Driveway |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 850 sqft Garage |
| Pool Type | Pool, Enclosed Pool Type |
|---|---|
| Pool Area | 360 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 360 sqft Shed |
| Deck Area | 480 sqft Deck |
| Patio Area | 944 sqft Patio |
| Porch Area | 801 sqft Porch |
| View | Water View |
| Boat Access | Boat Access |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 646 ARCOLA DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9425 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE JOSEPHINE SUB RPLT IN LOT 14 BLK 1 PB 15-PG 24 LOTS 4 + 5 |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 33 |
| Legal Subdivision | LAKE JOSEPHINE SUB RPLT |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | HIGHLANDS FL |
| Minor Civil Division | SEBRING |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 961304 |
Source: Highlands County records · APN C335902300000040
Assessment roll updated December 10, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 ARCOLA DR, SEBRING, FL 33875-9425 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 22, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY MORTGAGE LLC |
| Aug 17, 2017 | Trustee's Deed, Foreclosure · Veterans Administration Mortgage METROPLEX MORTGAGE SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2017 · Amount on Record |
| Deed Sale | Aug 17, 2017 · Amount on Record |
| Deed Doc Number | 20171863056 |
| Deed Book / Page | 2594 / 1988 |
| Last Transfer Date | Apr 21, 2026 |
| Transfer Doc | 0002309581 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 22, 2026 |
| Property Address | 646 ARCOLA DR, SEBRING, FL 33875-9425 |
| Document Number | 0002309581 |
| Book / Page | 3187 / 1696 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20262309581 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 646 ARCOLA DR, SEBRING, FL 33875-9425 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 646 ARCOLA DR, SEBRING, FL 33875-9425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 706 LAKE JOSEPHINE DR, SEBRING, FL 33875-6402 |
| Document Number | 0001999615 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 2774/287 |
| Instrument | 1999615 |
| Name | AFFINITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LENEXA, KS 66215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 17, 2017 |
| Property Address | 646 ARCOLA DR, SEBRING, FL 33875-9425 |
| Document Number | 0001863056 |
| Book / Page | 2594 / 1988 |
| Map Reference | MB15 PG24 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 1863056 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|---|
| Address | 6740 N OCEAN BLVD, 6740, OCEAN RIDGE, FL 33435-3350 |
| Name | Verified Name |
|---|---|
| Address | 706 LAKE JOSEPHINE DR, SEBRING, FL 33875-6402 |
| Mail Care Of | 848 N OCEAN BLVD |
| Document Number | 0001863057 |
|---|---|
| Date | Aug 17, 2017 |
| Instrument | 1863057 |
| Name | METROPLEX MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified July 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 | $6,070.00 (+2.92%) Homeowner's exemption | $458,087 (+5.99%) | $637,336 (-3.03%) Land $149,600 Building $487,736 |
| 2024 | $5,898.00 (+1.51%) | ||
| 2023 | $5,810.00 (+0.89%) Homeowner's exemption | $432,211 (+3%) | $657,272 (+13.68%) Land $123,200 Building $534,072 |
| 2022 | $5,759.00 Homeowner's exemption | $419,622 | $578,198 Land $123,200 Building $454,998 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 44% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,724 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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