715 Denise Ave, Sebring, FL 33870 Property Records

Highlands County property record for 715 Denise Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 2006
Lot Size	0.218 acres (9,520 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Dec 2021)
Tax Bill	$3,304 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S284908100000610`

Property Details

APN / Parcel Number

Primary APN	`S284908100000610`
Alternative APN	`S-28-34-29-081-0000-0610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,074 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,520 sqft (0.218 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	280 sqft
Driveway	Driveway
Driveway Area	336 sqft
Parking Spaces	1 Parking Space
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	S284908100000610
Street Address	715 DENISE AVE
City	SEBRING
State	FL
Zip	33870-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	DENISE HEIGHTS ADDITION PB 12 PG 34 LOT 61
Legal Range	29E
Legal Township	34S
Legal Section	28
Legal Subdivision	DENISE HEIGHTS ADDITION
Legal Lot Number	61
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3006
Census Tract	961100

Owner

715 Denise Ave is owned by an individual who bought it in December 2021.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	218 MCKINLEY AVE, BROOKLYN, NY 11208-3021
Owner Type	Individual

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
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 31, 2018	Grant Deed, Transfer · Conventional Mortgage VON T RUDDLE LIVING TRUST (LT)
Aug 21, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on File
Deed Sale	Dec 20, 2021 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	2069486
Deed Book / Page	2872 / 1458
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 20, 2021
Property Address	715 DENISE AVE, SEBRING, FL 33870-4206
Document Number	0002069486
Book / Page	2872 / 1458
Map Reference	MB 12 PG 34
Instrument Date	Dec 14, 2021
Instrument	2069486
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,001.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2141 LAKEVIEW DR, 2141, SEBRING, FL 33870-4969

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 MCKINLEY AVE, BROOKLYN, NY 11208-3021

Mortgage

Document Number	0028721460
Date	Dec 20, 2021
Instrument	2872/1460

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 31, 2018
Property Address	715 DENISE AVE, SEBRING, FL 33870-4206
Document Number	0001923488
Book / Page	002671 / 001190
Instrument Date	Dec 4, 2018
Instrument	1923488
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.42
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2141 LAKEVIEW DR SEBRING FL 338704969, SEBRING, FL 33870-4969

Mortgage

Document Number	1923489
Date	Dec 31, 2018
Book Page	002671/001193
Instrument	1923489

Lender

Name	VON T RUDDLE LIVING TRUST (LT)
Address	6236 COVERTY PL, VERO BEACH, FL 32966-6487

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 30, 2028

Interest

Rate	9%

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 21, 2018
Property Address	715 DENISE AVE, SEBRING, FL 33870-4206
Document Number	0001908611
Book / Page	002652 / 000154
Instrument Date	Aug 8, 2018
Instrument	1908611
Transaction Type	Foreclosure
Record Updated	Aug 29, 2018

Transaction

Amount	Amount on Record
Tax	$287.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$154,645 Land $5,880 Building $148,765	$154,645 Land $5,880 Building $148,765
2024	$3,304.00 (+10.46%)
2023	$2,991.00 (+12.44%)	$138,613 (+16.39%) Land $4,704 Building $133,909	$138,613 (+16.39%) Land $4,704 Building $133,909
2022	$2,660.00	$119,091 Land $4,704 Building $114,387	$119,091 Land $4,704 Building $114,387

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 715 Denise Ave in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 715 Denise Ave is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Water System	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	19 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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