Highlands County property record for 678 Memorial Dr, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,173 sqft · built 1991 |
| Lot Size | 0.666 acres (29,039 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Mar 2024) |
| Tax Bill | $4,327 (2024) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C-11-34-28-060-0000-0130 |
| Primary APN | C-11-34-28-060-0000-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,173 sqft Living Area |
| 1st Floor Area | 1,726 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,039 sqft (0.666 acres) |
| Lot Dimensions | 340 ft deep x 90 ft wide |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 2,100 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 319 sqft |
| Porch | Enclosed Porch |
| Porch Area | 240 sqft |
| Deck Area | 32 sqft |
| Patio Area | 695 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 678 MEMORIAL DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33870-1494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | SUNDOWN SUB PB 4-PG 71 LOT 13-LESS ROAD R/W |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 11 |
| Legal Subdivision | SUNDOWN SUB |
| Legal Lot Number | 13 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 960700 |
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 | 678 MEMORIAL DR, SEBRING, FL 33870-1494 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Warranty Deed, Transfer · VA Mortgage UMORTGAGE LLC |
| Nov 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2024 · Amount on Record |
| Deed Sale | Mar 27, 2024 · Amount on Record |
| Prior Sale | Nov 2, 2020 · Amount on Record |
| Deed Document Number | 2195685 |
| Deed Book / Page | 3033 / 306 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 27, 2024 |
| Property Address | 678 MEMORIAL DR, SEBRING, FL 33870-1494 |
| Document Number | 0002195685 |
| Book / Page | 3033 / 306 |
| Map Reference | MB 4 PG 71 |
| Instrument Date | Mar 21, 2024 |
| Instrument | 2195685 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4084 GREEN TREE AVE # AVE342, AVE342, SARASOTA, FL 34233-4053 |
| Name | Verified Name |
|---|---|
| Address | 678 MEMORIAL DR, SEBRING, FL 33870-1494 |
| Document Number | 0003033308 |
|---|---|
| Date | Mar 27, 2024 |
| Instrument | 3033/308 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 678 MEMORIAL DR, SEBRING, FL 33870-1494 |
| Document Number | 0002004877 |
| Book / Page | 2781 / 1106 |
| Map Reference | MB 4 PG 71 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 2004877 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,939.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1214 SHONTEE AVE, 1214, SEBRING, FL 33870-6932 |
| Name | Verified Name |
|---|---|
| Address | 10271 NW 3RD CT, PLANTATION, FL 33324-1709 |
| Document Number | 0027811108 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2781/1108 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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 | $383,798 (+23.89%) Land $138,600 Building $245,198 | $383,798 (+23.89%) Land $138,600 Building $245,198 | |
| 2024 | $4,327.00 (+5.59%) | ||
| 2023 | $4,098.00 (+5.92%) | $309,778 (+7.86%) Land $123,750 Building $186,028 | $309,778 (+7.86%) Land $123,750 Building $186,028 |
| 2022 | $3,869.00 | $287,210 Land $89,100 Building $198,110 | $287,210 Land $89,100 Building $198,110 |
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 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 |
|
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 | Low lower than 64% of the US · lower than 90% 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
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