Highlands County property record for 131 Montego Dr, Sebring, FL 33870
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1977 |
| Lot Size | 0.312 acres (13,568 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $6,000 (May 2014) |
| Tax Bill | $663 (2024) |
| Deeds & Mortgages | Apr 2021 Line of Credit Feb 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-28-34-29-091-0000-0070 |
| Primary APN | C-28-34-29-091-0000-0070 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Flooring | Tile |
| Interior Walls | Paneling |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 13,568 sqft (0.312 acres) |
| Lot Dimensions | 170 ft deep x 80 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 131 MONTEGO DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33870-4271 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | M1S |
| Legal Description | RIDGEWOOD ESTATES UNIT II PB 15-PG 34 LOT 7 |
| Legal Range | 29E |
| Legal Township | 34S |
| Legal Section | 28 |
| Legal Subdivision | RIDGEWOOD ESTATES |
| Legal Lot Number | 7 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 960900 |
Source: Highlands County records, as of January 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2006 FAIRMOUNT CT, SEBRING, FL 33870-6613 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK |
| Feb 26, 2020 | Loan Modification, Mortgage HEARTLAND NAT'L BK |
| Mar 1, 2019 | Trustee's Deed, Construction Loan · Line of Credit HEARTLAND NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2014 · Amount on Record |
| Deed Sale | May 21, 2014 · Amount on Record |
| Prior Sale | Oct 27, 2000 · Amount on Record |
| Deed Document Number | 20141734978 |
| Deed Book / Page | 2429 / 923 |
| Prior Transfer Date | Oct 25, 2000 |
| Prior Transfer Doc | 0015190504 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 131 MONTEGO DR, SEBRING, FL 33870-4271 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 141 FILLMORE AVE, LAKE PLACID, FL 33852-9122 |
| Document Number | 0002027485 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 2813/1451 |
| Instrument | 2027485 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Mar 26, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 131 MONTEGO DR, SEBRING, FL 33870-4271 |
| Document Number | 0001979917 |
| Instrument Date | Feb 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 141 FILLMORE AVE LAKE PLACID FL 338529122, LAKE PLACID, FL 33852-9122 |
| Document Number | 0001979917 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 002744/001412 |
| Instrument | 1979917 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Term | 12 Months |
|---|---|
| Due | Mar 18, 2021 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 1, 2019 |
| Property Address | 131 MONTEGO DR, SEBRING, FL 33870-4271 |
| Book / Page | 002680 / 000256 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 1930678 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 11, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 141 FILLMORE AVE LAKE PLACID FL 338529122, LAKE PLACID, FL 33852-9122 |
| Document Number | 0001930678 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 002680/000256 |
| Instrument | 1930678 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 29, 2020 |
| Rate Type | Adjustable Rate |
|---|
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 | $39,108 (-3.03%) Land $8,880 Building $30,228 | $39,108 (-3.03%) Land $8,880 Building $30,228 | |
| 2024 | $663.00 (+7.63%) | $40,332 (+14.57%) Land $7,770 Building $32,562 | $40,332 (+14.57%) Land $7,770 Building $32,562 |
| 2023 | $616.00 (+53.23%) | $35,204 (+61.96%) Land $4,250 Building $30,954 | $35,204 (+61.96%) Land $4,250 Building $30,954 |
| 2022 | $402.00 | $21,736 Land $4,250 Building $17,486 | $21,736 Land $4,250 Building $17,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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