130 Otter Trl, Sebring, FL 33875 Property Records

Highlands County property record for 130 Otter Trl, Sebring, FL 33875

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,322 sqft · built 1987
Lot Size	9.96 acres (433,858 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Oct 2018)
Tax Bill	$2,458 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C1168A0005300000`

Property Details

APN / Parcel Number

Primary APN	`C1168A0005300000`
Alternative APN	`C-11-36-28-A00-0530-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,322 sqft Living Area
1st Floor Area	1,916 sqft
Flooring	Slate
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1988
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	433,858 sqft (9.96 acres)
Garage Type	Finished
Garage Area	598 sqft
Driveway	Driveway
Driveway Area	1,050 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	158 sqft
Deck Area	736 sqft
Patio Area	1,024 sqft
Shed	1 Shed
Shed Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C1168A0005300000
Street Address	130 OTTER TRL
City	SEBRING
State	FL
Zip	33875-6326
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AU
Legal Description	NE 1/4 OF NW 1/4 OF SE 1/4 OF SEC 11 - LESS S 25 FT OF W 25 FT + LESS S 209.10 FT OF THE E 209.10 FT THEREOF 11-36-28/53
Legal Range	28E
Legal Township	36S
Legal Section	11
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1001
Census Tract	961602

Owner

130 Otter Trl, a rural home, is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	130 OTTER TRL, SEBRING, FL 33875-6326
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Oct 23, 2018	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2018 · Amount on File
Deed Sale	Oct 23, 2018 · Amount on File
Prior Sale	Feb 9, 2007
Deed Document Number	1915599
Deed Book / Page	2661 / 0638
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	130 OTTER TRL, SEBRING, FL 33875-6326
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	BLUE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 OTTER TRL, SEBRING, FL 33875-6326

Mortgage

Document Number	0002001336
Date	Oct 5, 2020
Book Page	2776/1418
Instrument	2001336

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 23, 2018
Property Address	130 OTTER TRL, SEBRING, FL 33875-6326
Document Number	0001915599
Book / Page	2661 / 0638
Instrument Date	Oct 22, 2018
Instrument	1915599
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1616, LAKE PLACID, FL 33862-1616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 SHAW RD, WAUCHULA, FL 33873-5500

Mortgage

Document Number	0001915600
Date	Oct 23, 2018
Instrument	1915600

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

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		$201,509 Land $36,423 Building $165,086	$276,335
2024	$2,458.00 (+3.89%)
2023	$2,366.00 (+1.55%) Homeowner's exemption	$187,417 (+2.86%)	$333,837 (+44.33%)
2022	$2,330.00 Homeowner's exemption	$182,199	$231,306

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

Flood

FEMA maps place 130 Otter Trl in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.

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
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (2001–2024)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 130 Otter Trl is high, ranking above 81% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.6% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rapid Systems Fixed Wireless	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Otter Trl

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