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1040 Cracker Hammock, Sebring, FL 33875 Property Records

Highlands County property record for 1040 Cracker Hammock, Sebring, FL 33875 · Last verified July 2026

Property Highlights

Property TypeOther > Miscellaneous
Lot Size877,982 sqft (20.1 acres)
Last Sale$540,000 (2026)
Tax Bill$3,558.00 (2025)

Property Details

APN / Parcel Number

Primary APNC-27-35-28-A00-0200-0000

Exterior

Lot Area877,982 sqft (20.1 acres)

Location & Zoning

Street Address1040 CRACKER HAMMOCK
CitySEBRING
StateFL
Zip33875
Property UsageOther Property Usage
TypeOther > Miscellaneous
Legal DescriptionW 1/2 OF SW 1/4 OF NW 1/4 OF SEC 27 27-35-28/20 20.16 ACRES
Legal Range28E
Legal Township35S
Legal Section27
JurisdictionHIGHLANDS FL
Minor Civil DivisionLAKE PLACID
Census Blockgroup1
Census Block1027
Census Tract961401

Owner

Source: Highlands County records · APN C-27-35-28-A00-0200-0000

Assessment roll updated December 10, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address2554 GULFSTREAM LN, FORT LAUDERDALE, FL 33312-4704
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
May 14, 2026Warranty Deed, Transfer
OMAHA NATIONAL TITLE, OMEGA NATIONAL TITLE
Mar 02, 2023Warranty Deed, Transfer · Conventional Mortgage
LAKE MICHIGAN CU
Nov 29, 2021Warranty Deed, Transfer
SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C
Nov 30, 2021Warranty Deed, Transfer · Commercial Mortgage
HEARTLAND NATIONAL BANK
Feb 15, 2019Warranty Deed, Transfer · Commercial Mortgage
HEARTLAND NATIONAL BANK
Jul 26, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Apr 20, 2017Deed of Trust, Mortgage
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 14, 2026 · Amount on Record
Deed SaleMay 14, 2026 · Amount on Record
Prior SaleMar 02, 2023 · Amount on Record
Deed Doc Number20262313037
Deed Book / Page3192 / 1686
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMay 14, 2026
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0002313037
Book / Page3192 / 1686
Instrument DateMay 13, 2026
Instrument2026.2313037
Transaction TypeTransfer
Record UpdatedMay 21, 2026
Title CompanyOMAHA NATIONAL TITLE, OMEGA NATIONAL TITLE

Transaction

AmountAmount Recorded
Tax$381,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2554 GULFSTREAM LN, FORT LAUDERDALE, FL 33312-4704

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMar 02, 2023
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0002139094
Book / Page2960 / 52
Instrument DateFeb 17, 2023
Instrument2139094
Transaction TypeTransfer
Record UpdatedJan 30, 2024
Title CompanyWHEATLAND TITLE, HEARTLAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,309.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9885 SW 102ND ST, MIAMI, FL 33176-2841

Transferred To (Grantee/Buyer)

NameVerified Name
Address5172 NW CROKER ST, ARCADIA, FL 34266-5305

Mortgage

Document Number0000296054
DateMar 02, 2023
Instrument2960/54
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateMar 01, 2026
Change FrequencyAnnually
Min Rate At Change4.25%
Max Rate At Change7.5%
Index52-Week T-Bill (1-Year)
Max Rate10.5%

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateNov 29, 2021
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0002066126
Book / Page2868 / 308
Instrument DateNov 24, 2021
Instrument2066126
Transaction TypeTransfer
Record UpdatedJan 30, 2024
Title CompanySOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1040 NE 36TH AVE, HOMESTEAD, FL 33033-5565

Transferred To (Grantee/Buyer)

NameVerified Name
Address9885 SW 102ND ST, MIAMI, FL 33176-2841

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateNov 30, 2021
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0002066258
Book / Page2868 / 752
Instrument DateNov 24, 2021
Instrument2066258
Transaction TypeTransfer
Record UpdatedJan 30, 2024
Title CompanySOUTH RIDGE ABSTRACT & TTL C

Transaction

AmountAmount Recorded
Tax$350.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1040 NE 36TH AVE, HOMESTEAD, FL 33033-5565

Transferred To (Grantee/Buyer)

NameVerified Name
Address9885 SW 102ND ST, MIAMI, FL 33176-2841

Mortgage

Document Number0002066876
DateDec 03, 2021
Book Page2869/486
Instrument2066876
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term180 Months
DueDec 03, 2036

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 15, 2019
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0001929038
Book / Page2678 / 0143
Instrument DateJan 29, 2019
Instrument1929038
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,120.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1940 FLOWER TER, 1940, SEBRING, FL 33875-6003

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants In Common
Address9885 SW 102ND ST, MIAMI, FL 33176-2841

Mortgage

Document Number0001929039
DateFeb 15, 2019
Instrument1929039
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term63 Months
DueMay 01, 2024
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHIGHLANDS FL
Recording DateJul 26, 2017
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0001860674
Book / Page002591 / 000861
Instrument DateMay 18, 2017
Instrument1860674
Transaction TypeTransfer
Record UpdatedAug 07, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$8,415.00
Additional
  • Quitclaim Document
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1940 FLOWER TER SEBRING FL 338756003, SEBRING, FL 33875-6003

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address1040 CRACKER HAMMOCK, SEBRING, FL 33875-9598
Document Number0001851528
Book / Page002578 / 000964
Instrument DateApr 20, 2017
Transaction TypeMortgage
Record UpdatedMay 30, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1940 FLOWER TER SEBRING FL 338756003, SEBRING, FL 33875-6003

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,558.00 (+15.86%)$287,280 (+5%) Land $287,280$287,280 (+5%) Land $287,280
2024$3,071.00 (+17.57%)
2023$2,612.00 (+13,647.37%)$191,520 (+13,531.32%) Land $191,520$191,520 (+5,825.74%) Land $191,520
2022$19.00$1,405 Land $1,405$3,232

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskVery High
above 90% of the US · above 84% of Florida
Wildfire LikelihoodAbout 1 in 112 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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