Highlands County property record for 116 Cardinal Rd, Sebring, FL 33876
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.336 acres (14,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Apr 2026) |
| Tax Bill | $770 (2024) |
| Deeds & Mortgages | Jul 2025 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C-15-35-30-060-0KK0-0300 |
| Primary APN | C-15-35-30-060-0KK0-0300 |
|---|
| Lot Area | 14,625 sqft (0.336 acres) |
|---|---|
| Lot Dimensions | 125 ft deep x 117 ft wide |
| Street Address | 116 CARDINAL RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-7410 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | R1 |
| Legal Description | SPRING LAKE VILLAGE VI PB 10-PG 21 LOT 30 BLK KK |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | SPRING LAKE VILL 06 |
| Legal Block | KK |
| Legal Lot Number | 30 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 961000 |
116 Cardinal Rd, vacant land, is owned and occupied by an individual who bought it in April 2026.
Source: Highlands County records, as of May 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 116 CARDINAL RD, SEBRING, FL 33876-7410 |
| 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 |
|---|---|
| Jul 2, 2025 | Deed of Trust, Mortgage · SBA Mortgage 1ST FINANCIAL BANK USA |
| Apr 27, 2026 | Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on File |
| Deed Sale | Apr 27, 2026 · Amount on File |
| Prior Sale | Feb 23, 2022 · Amount on File |
| Deed Document Number | 20262310204 |
| Deed Book / Page | 3188 / 1343 |
| Prior Transfer Date | Jul 10, 2008 |
| Prior Transfer Doc | 0001511392 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 116 CARDINAL RD, SEBRING, FL 33876-7410 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1209, SEBRING, FL 33871-1209 |
| Investor | Possibly a Property Investor |
| Document Number | 0002267187 |
|---|---|
| Date | Jul 2, 2025 |
| Book Page | 3129/750 |
| Instrument | 2267187 |
| Name | 1ST FINANCIAL BANK USA |
|---|---|
| Type | Bank |
| Address | NORTH SIOUX CITY, SD 57049 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 4, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 116 CARDINAL RD, SEBRING, FL 33876-7410 |
| Document Number | 0002310204 |
| Book / Page | 3188 / 1343 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.2310204 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $201,495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 CARDINAL RD, SEBRING, FL 33876-7410 |
| Document Number | 0002310205, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 2026.2310205 |
| Name | LEADER ONE FINANCIAL CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Number | 0002310206, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 3188/1361 |
| Instrument | 2026.2310206 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
Source: Highlands County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,000 Land $15,000 | $15,000 Land $15,000 | |
| 2024 | $770.00 (+11.43%) | ||
| 2023 | $691.00 (+18.52%) | $15,000 (+36.36%) Land $15,000 | $15,000 (+36.36%) Land $15,000 |
| 2022 | $583.00 | $11,000 Land $11,000 | $11,000 Land $11,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 116 Cardinal Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 4 (2017–2022) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 116 Cardinal Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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