Highlands County property record for 1320 Shamrock Dr, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,654 sqft · built 1984 |
| Lot Size | 0.3 acres (13,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $12,000 (Oct 2019) |
| Tax Bill | $2,125 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Oct 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C065901000400710 |
| Primary APN | C065901000400710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,654 sqft Living Area |
| Gross Area | 2,183 sqft |
| 1st Floor Area | 1,654 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,080 sqft (0.3 acres) |
| Lot Dimensions | 109 ft deep x 120 ft wide |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Unfinished Porch |
|---|---|
| Porch Area | 284 sqft |
| Patio Area | 960 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Boat House | Boat House |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1320 SHAMROCK DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-5346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ERIN PARK PB 5-PG 77 EAST 15 FT OF LOT 70 + ALL LOT 71 + WEST 45 FT OF LOT 72 BLK 4 |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 06 |
| Legal Subdivision | ERIN PARK |
| Legal Block | 4 |
| Legal Lot Number | 72 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 961304 |
1320 Shamrock Dr is owned and occupied by an individual who bought it in October 2019.
Source: Highlands County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Oct 20, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Dec 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Sep 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Aug 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2019 · Amount on File |
| Deed Sale | Oct 9, 2019 · Amount on File |
| Prior Sale | Sep 13, 2019 · Amount on File |
| Deed Document Number | 201959358 |
| Deed Book / Page | 2717 / 174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0002183393 |
|---|---|
| Date | Dec 21, 2023 |
| Book Page | 3017/409 |
| Instrument | 2183393 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 20, 2023 |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0002174329 |
| Book / Page | 3005 / 482 |
| Map Reference | MB 5 PG 77 |
| Instrument Date | Oct 18, 2023 |
| Instrument | 2174329 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0002117443 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 2933/1884 |
| Instrument | 2117443 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 5, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0001969627 |
| Instrument Date | Dec 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1320 SHAMROCK DR SEBRING FL 338755346, SEBRING, FL 33875-5346 |
| Document Number | 0001969627 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 002731/000450 |
| Instrument | 1969627 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 2, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0001955822 |
| Book / Page | 002712 / 000876 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 1955822 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1320 SHAMROCK DR SEBRING FL 338755346, SEBRING, FL 33875-5346 |
| Document Number | 1955823 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 002712/000878 |
| Instrument | 1955823 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 12, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 14, 2017 |
| Property Address | 1320 SHAMROCK DR, SEBRING, FL 33875-5346 |
| Document Number | 0001862614 |
| Book / Page | 2594 / 0641 |
| Map Reference | MB5 PG77 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 1862614 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | HEARTLAND TITLE INS AGENCY C |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3997 SW BAMBERG ST, 3997, PORT SAINT LUCIE, FL 34953-7080 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 6701 NW 58TH CT, TAMARAC, FL 33321-5752 |
| Document Number | 0001862615 |
|---|---|
| Date | Aug 14, 2017 |
| Instrument | 1862615 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 1320 Shamrock Dr was $2,125, up 3.3% from the year before.
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 | $2,125.00 (+3.26%) | $176,737 | $284,274 Land $72,000 Building $212,274 |
| 2024 | $2,058.00 (+2.69%) | ||
| 2023 | $2,004.00 (-1.62%) Homeowner's exemption Widower's exemption | $166,753 (+3%) | $302,068 (+28.96%) Land $66,000 Building $236,068 |
| 2022 | $2,037.00 Homeowner's exemption | $161,896 | $234,235 Land $41,400 Building $192,835 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1320 Shamrock Dr 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 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 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.
Wildfire risk around 1320 Shamrock Dr is low, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEEANN LAKEFRONT ESTATES private · serves 130 people · EPA ID FL6284097 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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