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Property profile & analytics
OFF-MARKET
Estimated value
$540,000
Banks
3863 Us Hwy 27th S Sebring, FL 33870-5461
Individually Owned
27-yr Hold
Free & Clear
Property ID
US18-2549286
Property profile
Verified
Property type
Banks
Use group
FINANCIAL BUILDING
Year built
2000
Construction
CONCRETE BLOCKS
Total area
4,580 SF
Lot
0.92 ac (40,000 SF)
Zoning code
C1
APN
S-05-35-29-010-0020-0070
UPID
US18-2549286
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
MIDFLORIDA Credit Union - Sebring - South Branch Credit Union
-
MidFlorida Credit Union ATM Atm
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
$485k
CAP Approach
CAP
by Request
Comparable Approach
Comparable
$593k
Blend (final)
Blend
$540k
Owner & transaction history
Midflorida FCU · 27 yrs held
Midflorida FCU
since 1999
1 recorded transaction
Zoning & alternative use
C1 · Sebring, FL
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Zoning description
The purpose of this district is offices, including medical, dental, legal, scientific, engineering, fine arts and literary offices
Zone name
Commercial
General category
COMMERCIAL
Zone area
807.62 ac
Source
Realmo
Top alternative use upside
Commercial (general)
$830,000
+106.0%
Office building
$690,000
+71.8%
Retail stores
$580,000
+44.8%
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs Sebring submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs Sebring submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
Method
Estimation
Statistic approach
by Request
ML approach
$485,000
CAP Approach
CAP Return
Estimation
6%
by Request
6.5%
by Request
7%
by Request
Alternative Use
Use
Estimation
FINANCIAL BUILDING
$400,000
Current use
COMMERCIAL (GENERAL)
$830,000
Change: +106% · Conversion: Difficult
OFFICE BUILDING
$690,000
Change: +72% · Conversion: Difficult
RETAIL STORES
$580,000
Change: +45% · Conversion: Difficult
AUTO REPAIR, GARAGE
$545,000
Change: +36% · Conversion: Difficult
WAREHOUSE, STORAGE
$510,000
Change: +27% · Conversion: Difficult
NEIGHBORHOOD: SHOPPING CENTER
$470,000
Change: +17% · Conversion: Difficult
MEDICAL BUILDING
$360,000
Change: -10% · Conversion: Difficult
Blend value · Realmo final
$540k
Range $486k – $594k · ±10%
Realmo estimate · informational only.
These numbers are calculated by our models from public records and may not reflect actual market value.
Not an appraisal.
Verify with a licensed appraiser before transacting. Realmo accepts no liability for divergence from real-world outcomes.
View the full estimation — every method, every assumption
Confidence drivers & risk notes · Custom comparable set · Free for first 3 / day
Full estimation methodology
Every method · every assumption · confidence drivers
Price per SF
Sale + rent benchmarks
Subject property
$118 / SF
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2023Property tax & assessments
Tax year 2023
Tax billed
$24,932
Tax year 2023
Assessed value
$1,372,405
Assessed 2023
Previous assessed
$1,186,910
+15.6% YoY
Effective rate
1.82%
On assessed value
Assessed land
$540,250
Assessed improvement
$832,155
Land market value
$540,250
Improvement market value
$832,155
Total market value
$1,372,405
Applied tax rate
20.0000
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Similar Nearby for Lease
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Banks
Use group
FINANCIAL BUILDING
Status
Off-Market
Year built
2000
Construction
CONCRETE BLOCKS
Heating
FORCED AIR
Cooling
YES
Stories
1
Rooms
13
Bathrooms
3
Total area
4,580 SF
Lot
0.92 ac (40,000 SF)
Zoning code
C1
APN
S-05-35-29-010-0020-0070
UPID
US18-2549286
Jurisdiction
HIGHLANDS
Zoning & alternative use
C1 · Sebring, FLZoning C1 · permitted uses
C1 · Sebring, FL
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
Zoning description
The purpose of this district is offices, including medical, dental, legal, scientific, engineering, fine arts and literary offices
Zone name
Commercial
General category
COMMERCIAL
Zone area
807.62 ac
Source
Realmo
Alternative use value scenarios
Repositioning upside vs current use
FINANCIAL BUILDING Current
Est. value
$400,000
COMMERCIAL (GENERAL)
Est. value
$830,000
OFFICE BUILDING
Est. value
$690,000
RETAIL STORES
Est. value
$580,000
AUTO REPAIR, GARAGE
Est. value
$545,000
WAREHOUSE, STORAGE
Est. value
$510,000
NEIGHBORHOOD: SHOPPING CENTER
Est. value
$470,000
MEDICAL BUILDING
Est. value
$360,000
FINANCIAL BUILDING Current
COMMERCIAL (GENERAL)
OFFICE BUILDING
RETAIL STORES
AUTO REPAIR, GARAGE
WAREHOUSE, STORAGE
NEIGHBORHOOD: SHOPPING CENTER
MEDICAL BUILDING
Alternative use deep dive — conversion cost, permits, timeline
Conversion cost estimate · Permit path & risks · Stabilized NOI per option
Alternative use deep dive
Conversion cost · permit path · stabilized NOI per option
Building & site characteristics
From public records
Year built
2000
Construction
CONCRETE BLOCKS
Heating
FORCED AIR
Cooling
Yes
Stories
1
Rooms
13
Bathrooms
3
Lot
0.92 ac
Current owner
From public records · entity-resolved
Midflorida FCU
Individual
Free & Clear · 27 yrs held
Mailing address
129 S KENTUCKY AVE STE #701, LAKELAND, FL 33801-5059
Ownership since
1999
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
1 recorded event · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Jun 8, 1999
$350,000
Midflorida FCU
Corby,donald W & Elaine G
Grant Deed
related
—
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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