676 Memorial Dr, Sebring, FL 33870 Property Records

Highlands County property record for 676 Memorial Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,182 sqft · built 1979
Lot Size	0.61 acres (26,576 sqft)
Owner	Individual Name on Record
Tax Bill	$2,342 (2024)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C124802000C00140`

Property Details

APN / Parcel Number

Primary APN	`C124802000C00140`
Alternative APN	`C-12-34-28-020-00C0-0140`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	3,182 sqft Living Area
1st Floor Area	936 sqft
Flooring	Slate
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,576 sqft (0.61 acres)
Lot Dimensions	153 ft deep x 93 ft wide
Garage Type	Finished
Garage Area	374 sqft
Driveway	Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	308 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C124802000C00140
Street Address	676 MEMORIAL DR
City	SEBRING
State	FL
Zip	33870-1494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKE SEBRING ACRES PB 5-PG 36 LOT 14 + LOT 15-LESS RD R/ BLK C
Legal Range	28E
Legal Township	34S
Legal Section	12
Legal Subdivision	LAKE SEBRING ACRES
Legal Block	C
Legal Lot Number	14
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3016
Census Tract	960700

Owner

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
Mailing Address	676 MEMORIAL DR, SEBRING, FL 33870-1494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2021
Deed Sale	Nov 4, 2021
Prior Sale	Jun 7, 2010 · Amount on Record
Deed Document Number	0002863201
Deed Book / Page	2707 / 0687
Prior Transfer Date	Aug 13, 2019
Prior Transfer Doc	1952006
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 13, 2019
Property Address	676 MEMORIAL DR, SEBRING, FL 33870-1494
Document Number	0001952006
Book / Page	2707 / 0687
Map Reference	MB 5 PG 36
Instrument Date	Aug 8, 2019
Instrument	1952006
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	HEARTLAND TITLE INS AGCY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	678 MEMORIAL DR, 678, SEBRING, FL 33870-1494

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 THOMPSON AVE APT C, C, SANTA CRUZ, CA 95062-3290

Mortgage

Document Number	0002707689
Date	Aug 13, 2019
Instrument	2707/689

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$192,763 (+5.99%)	$253,211 (+7.84%) Land $93,762 Building $159,449
2024	$2,342.00 (-0.72%)
2023	$2,359.00 (+1.72%) Homeowner's exemption	$181,874 (+3%)	$234,811 (+4%) Land $84,424 Building $150,387
2022	$2,319.00 Homeowner's exemption	$176,577	$225,780 Land $62,637 Building $163,143

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	108.6 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1998–2022)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 2 claims

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	0.04% annual chance
Exposure	None beyond ember reach

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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20