109 Vale Ct, Sebring, FL 33876 Property Records

Highlands County property record for 109 Vale Ct, Sebring, FL 33876

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 2022
Lot Size	0.664 acres (28,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,900 (Dec 2022)
Tax Bill	$2,085 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-15-35-30-020-00U0-0050`

Property Details

APN / Parcel Number

Primary APN	`C-15-35-30-020-00U0-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,355 sqft Living Area
Gross Area	1,775 sqft
1st Floor Area	1,355 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	28,936 sqft (0.664 acres)
Garage Type	Attached
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 VALE CT
City	SEBRING
State	FL
Zip	33876-6137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SPRING LAKE VILLAGE II PB 9-PG 43 LOT 5 BLK U
Legal Range	30E
Legal Township	35S
Legal Section	15
Legal Subdivision	OAKWOOD VILLAS
Legal Block	U
Legal Lot Number	5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3028
Census Tract	961000

Owner

Source: Highlands County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	109 VALE CT, SEBRING, FL 33876-6137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · SBA Mortgage 1ST FINANCIAL BANK USA
Dec 1, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Oct 10, 2017	Grant Deed, Transfer HEARTLAND TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Dec 29, 2011
Deed Document Number	20222126182
Deed Book / Page	2944 / 1026
Prior Transfer Date	Feb 22, 2008
Prior Transfer Doc	0001493900
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	109 VALE CT, SEBRING, FL 33876-6137
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1209, SEBRING, FL 33871-1209
Investor	Possibly a Property Investor

Mortgage

Document Number	0002073113
Date	Jan 18, 2022
Book Page	2878/1
Instrument	2073113

Lender

Name	1ST FINANCIAL BANK USA
Type	Bank
Address	NORTH SIOUX CITY, SD 57049

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	55 Months
Due	Aug 4, 2026

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 1, 2022
Property Address	109 VALE CT, SEBRING, FL 33876-6137
Document Number	0002126182
Book / Page	2944 / 1026
Map Reference	MB 9 PG 43
Instrument Date	Nov 30, 2022
Instrument	2126182
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 N RIDGEWOOD DR, SEBRING, FL 33870-7202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 VALE CT, SEBRING, FL 33876-6137

Mortgage

Document Number	0029441028
Date	Dec 1, 2022
Instrument	2944/1028

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 10, 2017
Property Address	109 VALE CT, SEBRING, FL 33876-6137
Document Number	0001868092
Book / Page	002601 / 001453
Instrument Date	Oct 4, 2017
Instrument	1868092
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	HEARTLAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$42.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 KING AIR WAY NW LAKE PLACID FL 338529797, LAKE PLACID, FL 33852-9797
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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		$151,005 (-37.18%)	$246,659 (+2.62%) Land $18,500 Building $228,159
2024	$2,085.00 (-46.14%)
2023	$3,871.00 (+433.93%)	$240,359 (+1,616.85%) Land $16,500 Building $223,859	$240,359 (+1,616.85%) Land $16,500 Building $223,859
2022	$725.00	$14,000 Land $14,000	$14,000 Land $14,000

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

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
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	11 (2004–2017)
Claims Outside the SFHA	7 of 11
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 2 claims

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 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Conexon Connect, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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