7015 Cecilia Ave, Sebring, FL 33872 Property Records

Highlands County property record for 7015 Cecilia Ave, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,336 sqft · built 2022
Lot Size	0.451 acres (19,631 sqft)
Owner	2 Individual Names on File
Last Sale	$436,000 (Oct 2023)
Tax Bill	$5,297 (2025)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Nov 2020 Loan Modification + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C-04-34-28-130-2720-0160`

Property Details

APN / Parcel Number

Primary APN	`C-04-34-28-130-2720-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,336 sqft Living Area
Gross Area	2,984 sqft
1st Floor Area	2,014 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,631 sqft (0.451 acres)
Lot Dimensions	316 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	648 sqft
Driveway	Driveway
Driveway Area	900 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7015 CECILIA AVE
City	SEBRING
State	FL
Zip	33872-1971
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SUN N LAKE OF SEB UNIT 13 PB 9 PG 71 LOT 16 BLK 272
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	PATIO HOMES SNL SEBRING
Legal Block	272
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2110
Census Tract	960503

Owner

7015 Cecilia Ave is owned and occupied by two individuals who bought it in October 2023.

Source: Highlands County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage FIRST TRUST BANK OF ILLINOIS
Nov 24, 2020	Loan Modification, Mortgage HEARTLAND NAT'L BK
Feb 26, 2020	Loan Modification, Mortgage HEARTLAND NAT'L BK
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND NAT'L BK
Mar 8, 2018	Deed of Trust, Construction Loan · Line of Credit HEARTLAND NAT'L BK
Apr 26, 2017	Deed of Trust, Mortgage HARBOR CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2023 · Amount on File
Deed Sale	Oct 2, 2023 · Amount on File
Prior Sale	Feb 15, 2008
Deed Document Number	20232171914
Deed Book / Page	3002 / 70
Prior Transfer Date	Feb 1, 2008
Prior Transfer Doc	0001492431
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 2, 2023
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0002171914
Book / Page	3002 / 70
Map Reference	MB 9 PG 71
Instrument Date	Sep 29, 2023
Instrument	2171914
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,052.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7015 CECILIA AVE, SEBRING, FL 33872-1971

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7015 CECILIA AVE, SEBRING, FL 33872-1971

Mortgage

Document Number	0000300272
Date	Oct 2, 2023
Instrument	3002/72

Lender

Name	FIRST TRUST BANK OF ILLINOIS
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 25, 2024

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0002009903
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5029 FRIARS COVE ST SEBRING FL 338722117, SEBRING, FL 33872-2117

Mortgage

Document Number	0002009903
Date	Dec 7, 2020
Book Page	002788/001061
Instrument	2009903

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	320 US HIGHWAY 27 N, SEBRING, FL 33870-2147

Agreement

Amount	Amount on Record

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0001980740
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7027 SUN N LAKE BLVD SEBRING FL 33872, SEBRING, FL 33872

Mortgage

Document Number	0001980740
Date	Mar 26, 2020
Book Page	002745/001554
Instrument	1980740

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Term	24 Months
Due	Mar 25, 2022

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0001953470
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5029 FRIARS COVE ST SEBRING FL 338722117, SEBRING, FL 33872-2117

Mortgage

Document Number	0001953470
Date	Aug 23, 2019
Book Page	002709/000371
Instrument	1953470

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 22, 2024

March 2018: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 8, 2018
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0001887696
Book / Page	002625 / 000110
Instrument Date	Feb 26, 2018
Instrument	1887696
Transaction Type	Construction Loan
Record Updated	Jan 5, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0001887696
Date	Mar 8, 2018
Book Page	002625/000110
Instrument	1887696

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Mar 7, 2020

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	7015 CECILIA AVE, SEBRING, FL 33872-1971
Document Number	0001851275
Book / Page	002578 / 000268
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	205 SEA BISCUIT LN AVON PARK FL 33825, AVON PARK, FL 33825

Mortgage

Document Number	0001851275
Date	Apr 28, 2017
Book Page	002578/000268
Instrument	1851275

Lender

Name	HARBOR CMNTY BK
Type	Bank
Address	FORT PIERCE, FL 34950

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 7015 Cecilia Ave was $5,297, up 19.4% from the year before.

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	$5,297.00 (+19.44%)	$305,932 Land $45,325 Building $260,607	$305,932 Land $45,325 Building $260,607
2024	$4,435.00 (+10.9%)
2023	$3,999.00 (+545%) Homeowner's exemption Disabled Person's exemption	$312,227 (+1,562.73%) Land $38,850 Building $273,377	$312,227 (+1,562.73%) Land $38,850 Building $273,377
2022	$620.00	$18,778 Land $18,778	$18,778 Land $18,778

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 7015 Cecilia Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Cost	Premium on File median of 67 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jun 2017 · other causes

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

Wildfire risk around 7015 Cecilia Ave is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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