928 Denise Ave, Sebring, FL 33870 Property Records

Highlands County property record for 928 Denise Ave, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1978
Lot Size	0.172 acres (7,475 sqft)
Owner	Individual Name on File
Last Sale	$100 (Jul 2026)
Tax Bill	$435 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S284908100000500`

Property Details

APN / Parcel Number

Primary APN	`S284908100000500`
Alternative APN	`S-28-34-29-081-0000-0500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	835 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1984
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,475 sqft (0.172 acres)
Lot Dimensions	104 ft deep x 72 ft wide
Driveway	Concrete Driveway
Driveway Area	300 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	729 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	928 DENISE AVE
City	SEBRING
State	FL
Zip	33870-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	DENISE HEIGHTS ADDITION PB 12 PG 34 LOT 50
Legal Range	29E
Legal Township	34S
Legal Section	28
Legal Subdivision	DENISE HEIGHTS ADD
Legal Lot Number	50
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3006
Census Tract	961100

Owner

928 Denise Ave is owned and occupied by an individual who bought it in July 2026.

Source: Highlands County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	928 DENISE AVE, SEBRING, FL 33870-4207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jul 29, 2026	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE MORTGAGE
Aug 30, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Aug 30, 2023 · Amount on File
Deed Document Number	20262323657
Deed Book / Page	3208 / 160
Prior Transfer Date	May 6, 2026
Prior Transfer Doc	0002323657
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 29, 2026
Property Address	928 DENISE AVE, SEBRING, FL 33870-4207
Document Number	0002323657
Book / Page	3208 / 160
Instrument Date	May 6, 2026
Instrument	20262323657
Transaction Type	Transfer
Record Updated	Aug 7, 2026
Title Company	NATIONAL SETTLEMENT SOLUTIONS, NATIONAL-MADISON SETTLEMENT SE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 DENISE AVE, SEBRING, FL 33870-4207

Mortgage

Document Number	0002323658,
Date	Jul 29, 2026
Instrument	20262323658

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 30, 2023
Property Address	928 DENISE AVE, SEBRING, FL 33870-4207
Document Number	0002166584
Book / Page	2995 / 550
Map Reference	MB 12 PG 34
Instrument Date	Aug 21, 2023
Instrument	2166584
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 SE 15TH AVE, OKEECHOBEE, FL 34974-4722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 DENISE AVE, SEBRING, FL 33870-4207

Mortgage

Document Number	0002995552
Date	Aug 30, 2023
Instrument	2995/552

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 928 Denise Ave was $435, up 10.1% from the year before.

Source: Highlands County assessment roll, as of December 10, 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	$435.00 (+10.13%)	$132,315 Land $5,562 Building $126,753	$132,315 Land $5,562 Building $126,753
2024	$395.00 (-78.67%)
2023	$1,852.00 (+12.52%)	$108,455 (+15.95%) Land $4,450 Building $104,005	$108,455 (+15.95%) Land $4,450 Building $104,005
2022	$1,646.00	$93,540 Land $4,450 Building $89,090	$93,540 Land $4,450 Building $89,090

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

Flood

FEMA maps place 928 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 928 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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