1034 Lucerne Dr, Sebring, FL 33870 Property Records

Highlands County property record for 1034 Lucerne Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,962 sqft · built 1960
Lot Size	1.37 acres (59,828 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Dec 2020)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-20-34-29-140-1420-0040`

Property Details

APN / Parcel Number

Primary APN	`S-20-34-29-140-1420-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,962 sqft Living Area
1st Floor Area	1,766 sqft
Upper Floors Area	878 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1978
Exterior Material	Stone
Construction Type	Steel Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	59,828 sqft (1.37 acres)
Lot Dimensions	206 ft deep x 143 ft wide
View / Lot	Water

Exterior Amenities

Pool Area	525 sqft
Porch	Slab
Porch Area	388 sqft
Deck Area	84 sqft
Patio Area	1,675 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1034 LUCERNE DR
City	SEBRING
State	FL
Zip	33870-3049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	WESTON KNOLL SUB PB 1-PG 61A LOTS 4 THRU 10 INCL + LAND TO LAKE + CONTIG CLOSED RD
Legal Range	29E
Legal Township	34S
Legal Section	20
Legal Subdivision	WESTON KNOLL
Legal Lot Number	4-10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2003
Census Tract	960900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1034 LUCERNE DR, SEBRING, FL 33870-3049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND NATIONAL BANK
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	202012935
Deed Book / Page	2793 / 720
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	1034 LUCERNE DR, SEBRING, FL 33870-3049
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001849990
Date	Apr 19, 2017
Book Page	2576/0927
Instrument	1849990

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 31, 2020
Property Address	1034 LUCERNE DR, SEBRING, FL 33870-3049
Document Number	0002012935
Book / Page	2793 / 720
Map Reference	MB 1 PG 61-A
Instrument Date	Dec 30, 2020
Instrument	2012935
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1034 LUCERNE DR, 1034, SEBRING, FL 33870-3049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 LONE PINE AVE, FREEDOM, CA 95019-2727

Mortgage

Document Number	0002793722
Date	Dec 31, 2020
Instrument	2793/722

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$4,255.00 (+4.11%) Homeowner's exemption	$239,723 (+5.99%)	$357,868 (+1.84%) Land $131,056 Building $226,812
2024	$4,087.00 (+2.66%)
2023	$3,981.00 (+4.93%) Homeowner's exemption	$226,182 (+3%)	$351,413 (+60.03%) Land $98,683 Building $252,730
2022	$3,794.00 Homeowner's exemption	$219,594 Land $98,683 Building $120,911	$219,594 Land $98,683 Building $120,911

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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