1323 Chloe Ter, Sebring, FL 33870 Property Records

Highlands County property record for 1323 Chloe Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,094 sqft · built 1988
Lot Size	0.251 acres (10,948 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Nov 2025)
Tax Bill	$658 (2024)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S254806000000010`

Property Details

APN / Parcel Number

Primary APN	`S254806000000010`
Alternative APN	`S-25-34-28-060-0000-0010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,094 sqft Living Area
Gross Area	1,214 sqft
1st Floor Area	1,094 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,948 sqft (0.251 acres)
Lot Dimensions	127 ft deep x 79 ft wide
Driveway	Concrete Driveway
Driveway Area	960 sqft
Porch	Screened Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1323 CHLOE TER
City	SEBRING
State	FL
Zip	33870-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE CLOISTERS PB 14 PG 72 LOT 1 + INT IN TR A
Legal Range	28E
Legal Township	34S
Legal Section	25
Legal Subdivision	CLOISTERS SUB
Legal Tract	A
Legal Lot Number	1
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2039
Census Tract	960700

Owner

1323 Chloe Ter is owned by two individuals who bought it in November 2025.

Source: Highlands County records, as of January 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	280 SW 13TH ST, POMPANO BEACH, FL 33060-8780
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 31, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Dec 31, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Nov 21, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 16, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Aug 16, 2017 · Amount on File
Deed Document Number	20252288846
Deed Book / Page	3158 / 1086
Record Updated	Oct 29, 2026

December 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 31, 2025
Property Address	1323 CHLOE TER, SEBRING, FL 33870-2059
Document Number	0002293648
Book / Page	3165 / 1139
Map Reference	MB 14 PG 72
Instrument Date	Dec 30, 2025
Instrument	2293648
Record Updated	Jan 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 LAKE JOSEPHINE DR, SEBRING, FL 33875-6403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SW 13TH ST, POMPANO BEACH, FL 33060-8780

December 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 31, 2025
Property Address	1323 CHLOE TER, SEBRING, FL 33870-2059
Document Number	0002293647
Book / Page	3165 / 1137
Map Reference	MB 14 PG 72
Instrument Date	Dec 29, 2025
Instrument	2293647
Record Updated	Jan 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 LAKE JOSEPHINE DR, SEBRING, FL 33875-6403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SW 13TH ST, POMPANO BEACH, FL 33060-8780

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 21, 2025
Property Address	1323 CHLOE TER, SEBRING, FL 33870-2059
Document Number	0002288845
Book / Page	3158 / 1084
Map Reference	MB 14 PG 72
Instrument Date	Nov 21, 2025
Instrument	2288845
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 LAKE JOSEPHINE DR, SEBRING, FL 33875-6403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SW 13TH ST, POMPANO BEACH, FL 33060-8780

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 21, 2025
Property Address	1323 CHLOE TER, SEBRING, FL 33870-2059
Document Number	0002288846
Book / Page	3158 / 1086
Map Reference	MB 14 PG 72
Instrument Date	Nov 2, 2025
Instrument	2288846
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 LAKE JOSEPHINE DR, SEBRING, FL 33875-6403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SW 13TH ST, POMPANO BEACH, FL 33060-8780

Mortgage

Document Number	0031581090
Date	Nov 21, 2025
Instrument	3158/1090

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 16, 2017
Property Address	1323 CHLOE TER, SEBRING, FL 33870-2059
Document Number	0001862957
Book / Page	002594 / 001695
Instrument Date	Aug 15, 2017
Instrument	1862957
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$752.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 CHLOE TER SEBRING FL 338702059, SEBRING, FL 33870-2059

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$140,862 Land $15,000 Building $125,862	$140,862 Land $15,000 Building $125,862
2024	$658.00 (+9.67%)
2023	$600.00 (+11.73%) Homeowner's exemption	$37,408 (+3%)	$134,638 (+15.62%) Land $10,000 Building $124,638
2022	$537.00 Homeowner's exemption	$36,318	$116,445 Land $10,000 Building $106,445

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1323 Chloe Ter in Zone X, an area of minimal flood risk, within 500 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 500 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	5 (2017–2022)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 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 1323 Chloe Ter is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	19 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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