109 Howey Rd, Sebring, FL 33870 Property Records

Highlands County property record for 109 Howey Rd, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 7,271 sqft · built 2013
Lot Size	3.9 acres (169,884 sqft)
Owner	Company Name on Record
Last Sale	$935,000 (Jun 2025)
Tax Bill	$9,192 (2024)
Deeds & Mortgages	May 2022 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C3548A0002400000`

Property Details

APN / Parcel Number

Primary APN	`C3548A0002400000`
Alternative APN	`C-35-34-28-A00-0240-0000`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	2 Stories
Building Area	7,271 sqft Living Area
1st Floor Area	1,970 sqft
Upper Floors Area	3,130 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	169,884 sqft (3.9 acres)
Lot Dimensions	518 ft deep x 331 ft wide
Garage Type	Finished
Garage Area	969 sqft
Driveway	Driveway
Driveway Area	1,014 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	525 sqft
Porch	Open Porch
Porch Area	518 sqft
Patio Area	1,192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C3548A0002400000
Street Address	109 HOWEY RD
City	SEBRING
State	FL
Zip	33870-7700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EU
Legal Description	N 1/2 OF NW 1/4 OF NW 1/4 OF NE 1/4 OF SEC 35-34-28 LESS E 144.44 FT 35-34-28/24 3.9 ACRES
Legal Range	28E
Legal Township	34S
Legal Section	35
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3002
Census Tract	960602

Owner

Source: Highlands County records, as of December 12, 2025

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

Owner of Record	Company Name on Record
Mailing Address	21097 E NICHOLS PKWY, AURORA, CO 80016-1931
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Aug 2, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2025 · Amount on Record
Deed Sale	Jun 11, 2025 · Amount on Record
Prior Sale	Aug 2, 2021
Deed Document Number	2264072
Deed Book / Page	3124 / 1679
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	109 HOWEY RD, SEBRING, FL 33870-7700
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWEY RD, SEBRING, FL 33870-7700

Mortgage

Document Number	0002094983
Date	May 20, 2022
Book Page	2906/1068
Instrument	2094983

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	May 16, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.99%
Index	Prime Rate
Max Rate	9.99%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 2, 2021
Property Address	109 HOWEY RD, SEBRING, FL 33870-7700
Document Number	0002046625
Book / Page	2841 / 443
Instrument Date	Jul 20, 2021
Instrument	2046625
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWEY RD, SEBRING, FL 33870-7700

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 21, 2021
Property Address	109 HOWEY RD, SEBRING, FL 33870-7700
Document Number	0002035537
Book / Page	2825 / 196
Instrument Date	Apr 12, 2021
Instrument	2035537
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12110 SW 97TH TER, MIAMI, FL 33186-2635

Mortgage

Document Number	0002825198
Date	May 21, 2021
Instrument	2825/198

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$799,487 (+29.92%) Land $55,575 Building $743,912	$799,487 (+7.93%) Land $55,575 Building $743,912
2024	$9,192.00 (+10.02%)
2023	$8,355.00 (+0.71%) Homeowner's exemption	$615,348 (+3%)	$740,750 (+23.99%) Land $55,575 Building $685,175
2022	$8,296.00 Homeowner's exemption	$597,425 Land $42,608 Building $554,817	$597,425 Land $42,608 Building $554,817

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2004–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2018 · rainfall accumulation

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	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.1% 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 129 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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