1326 Chloe Ter, Sebring, FL 33870 Property Records

Highlands County property record for 1326 Chloe Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1987
Lot Size	0.25 acres (10,905 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jun 2023)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Jan 2022 Transfer Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S254806000000250`

Property Details

APN / Parcel Number

Primary APN	`S254806000000250`
Alternative APN	`S-25-34-28-060-0000-0250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,808 sqft Living Area
Gross Area	2,226 sqft
1st Floor Area	1,808 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,905 sqft (0.25 acres)
Lot Dimensions	133 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	418 sqft
Driveway	Concrete Driveway
Driveway Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1326 CHLOE TER
City	SEBRING
State	FL
Zip	33870-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE CLOISTERS PB 14 PG 72 LOT 25 + INT IN TR A
Legal Range	28E
Legal Township	34S
Legal Section	25
Legal Subdivision	CLOISTERS SUB
Legal Tract	A
Legal Lot Number	25
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2039
Census Tract	960700

Owner

1326 Chloe Ter is owned and occupied by an individual who bought it in June 2023.

Source: Highlands County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	708 SAWYERS MILL RD, 111, CHARLOTTE, NC 28262-1842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jan 3, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 24, 2021	Warranty Deed, Transfer · Balloon Mortgage MAKO LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2023 · Amount on File
Deed Sale	Jun 8, 2023 · Amount on File
Prior Sale	Mar 24, 2021 · Amount on File
Deed Document Number	20232154990
Deed Book / Page	2980 / 216
Prior Transfer Date	Jan 3, 2022
Prior Transfer Doc	0002071102
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 3, 2022
Property Address	1326 CHLOE TER, SEBRING, FL 33870-2035
Document Number	0002071102
Book / Page	2875 / 734
Map Reference	MB 14 PG 72
Instrument Date	Jan 3, 2022
Instrument	2071102
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 W ORANGE ST, AVON PARK, FL 33825-2430

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 24, 2021
Property Address	1326 CHLOE TER, SEBRING, FL 33870-2035
Document Number	0002025542
Book / Page	2811 / 49
Map Reference	MB 14 PG 72
Instrument Date	Mar 23, 2021
Instrument	2025542
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8116 ROYCREST LANE, 8116, REDONDO BEACH, CA 90278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 W ORANGE ST, AVON PARK, FL 33825-2430

Mortgage

Document Number	0000281155
Date	Mar 24, 2021
Instrument	2811/55

Lender

Name	MAKO LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	2 Months
Due	May 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 1326 Chloe Ter was $2,891 with a homeowner's exemption, up 4.6% from the year before.

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	$2,891.00 (+4.59%) Homeowner's exemption	$169,722	$205,089 Land $15,000 Building $190,089
2024	$2,764.00 (+3.44%)
2023	$2,672.00 (+5.57%) Homeowner's exemption	$160,135 (+3%)	$197,300 (+17.85%) Land $10,000 Building $187,300
2022	$2,531.00 Homeowner's exemption	$155,471	$167,412 Land $10,000 Building $157,412

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

Flood

FEMA maps place 1326 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 1326 Chloe Ter is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 365 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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