Highlands County property record for 1012 Lake Reserve Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,941 sqft · built 2021 |
| Lot Size | 2.42 acres (105,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,500 (May 2020) |
| Tax Bill | $9,122 (2024) |
| Deeds & Mortgages | Sep 2023 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S-17-35-29-080-0000-1070 |
| Primary APN | S-17-35-29-080-0000-1070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,941 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 105,415 sqft (2.42 acres) |
| Garage Type | Finished |
| Garage Area | 801 sqft |
| Driveway | Driveway |
| Driveway Area | 2,820 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Pool Area | 480 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 1012 LAKE RESERVE RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-6221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1AA |
| Legal Description | HIGHLAND LAKES RESERVE PB 16 PG 96 LOT 107 |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 17 |
| Legal Subdivision | HIGHLAND LAKES RESERVE |
| Legal Lot Number | 107 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 961304 |
1012 Lake Reserve Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 23, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jul 13, 2020 | Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK |
| May 7, 2020 | Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE |
| Jul 9, 2018 | Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2020 · Amount on File |
| Deed Sale | May 7, 2020 · Amount on File |
| Prior Sale | Jul 9, 2018 · Amount on File |
| Deed Document Number | 0002752303 |
| Deed Book / Page | 2752 / 303 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Document Number | 0002168625 |
|---|---|
| Date | Sep 11, 2023 |
| Book Page | 2998/4 |
| Instrument | 2168625 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 212 CARDINAL AVE, SEBRING, FL 33870-5905 |
| Document Number | 0002025195 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 2810/861 |
| Instrument | 2025195 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001991418 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 2762/297 |
| Instrument | 1991418 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 1, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 7, 2020 |
| Property Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Document Number | 0001984979 |
| Book / Page | 002752 / 000303 |
| Instrument Date | May 7, 2020 |
| Instrument | 1984979 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $249.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 7126 SEBRING FL 338720103, SEBRING, FL 33872-0103 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jul 9, 2018 |
| Property Address | 1012 LAKE RESERVE RD, SEBRING, FL 33875-6221 |
| Document Number | 0001903321 |
| Book / Page | 002644 / 001973 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 1903321 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2018 |
| Title Company | SOUTH RIDGE ABSTRACT AND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $259.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2824 BRIARWOOD LN SEBRING FL 338754760, SEBRING, FL 33875-4760 |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Municipality | Sebring City |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $506,051 | $636,185 Land $108,900 Building $527,285 | |
| 2024 | $9,122.00 (+1.83%) | ||
| 2023 | $8,958.00 (+4.19%) Homeowner's exemption | $477,465 (+3%) | $552,969 (+17.43%) Land $65,340 Building $487,629 |
| 2022 | $8,598.00 Homeowner's exemption | $463,558 | $470,910 Land $55,660 Building $415,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1012 Lake Reserve Rd 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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 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 risk around 1012 Lake Reserve Rd is high, ranking above 72% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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