Highlands County property record for 132 Moon Ranch Rd, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,744 sqft · built 1987 |
| Lot Size | 3.44 acres (149,846 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,000 (Aug 2019) |
| Tax Bill | $2,323 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C354902001600000 |
| Primary APN | C354902001600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,744 sqft Living Area |
| 1st Floor Area | 1,026 sqft |
| 2nd Floor Area | 374 sqft |
| Upper Floors Area | 578 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 149,846 sqft (3.44 acres) |
| Lot Dimensions | 600 ft deep x 250 ft wide |
| Garage Type | Carport |
| Garage Area | 528 sqft |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 2,129 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 1,448 sqft |
| Patio Area | 1,326 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C354902001600000 |
|---|---|
| Street Address | 132 MOON RANCH RD |
| City | SEBRING |
| State | FL |
| Zip | 33870-9754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | LONGWOOD SUB PB 13 PG 37 LOT 16 3.44 ACRES |
| Legal Range | 29E |
| Legal Township | 34S |
| Legal Section | 35 |
| Legal Subdivision | LONGWOOD SUB |
| Legal Lot Number | 16 3 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 961000 |
132 Moon Ranch Rd is owned and occupied by an individual who bought it in August 2019.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 132 MOON RANCH RD, SEBRING, FL 33870-9754 |
| 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 |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Aug 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on File |
| Deed Sale | Aug 27, 2019 · Amount on File |
| Prior Sale | Sep 1, 2005 |
| Deed Document Number | 1953817 |
| Deed Book / Page | 2709 / 1389 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 132 MOON RANCH RD, SEBRING, FL 33870-9754 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Title Company | HEARTLAND TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 132 MOON RANCH RD, SEBRING, FL 33870-9754 |
| Document Number | 0002091375 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 2902/653 |
| Instrument | 2091375 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 27, 2019 |
| Property Address | 132 MOON RANCH RD, SEBRING, FL 33870-9754 |
| Document Number | 0001953817 |
| Book / Page | 2709 / 1389 |
| Map Reference | MB 13 PG 37 |
| Instrument Date | Aug 26, 2019 |
| Instrument | 1953817 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,233.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3220 KING DR, 3220, SEBRING, FL 33870-1016 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 132 MOON RANCH RD, SEBRING, FL 33870-9754 |
| Document Number | 0027091391 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 2709/1391 |
| Name | CITY NATIONAL BANK OF FLORIDA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Highlands County assessment roll, as of July 1, 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 | $183,267 | $364,288 Land $68,800 Building $295,488 | |
| 2024 | $2,323.00 (+3.06%) | ||
| 2023 | $2,254.00 (+3.35%) Homeowner's exemption | $172,915 (+4.42%) | $355,656 (+17.63%) Land $46,440 Building $309,216 |
| 2022 | $2,181.00 Homeowner's exemption | $165,598 | $302,362 Land $39,560 Building $262,802 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 132 Moon Ranch Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 2002.
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 90 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 90 in force |
| Nearby Flood Claims | 20 (2002–2023) |
| Claims Outside the SFHA | 3 of 20 |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
| 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 132 Moon Ranch Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 80 / 10 |
| Rapid Systems Fixed Wireless | 50 / 10 |
| AT&T Fixed Wireless | 25 / 3 |
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