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13325 Garnet Ter, Sebring, FL 33875 Property Records

Highlands County property record for 13325 Garnet Ter, Sebring, FL 33875

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,261 sqft · built 1969
Lot Size0.192 acres (8,400 sqft)
OwnerIndividual Name on Record
Tax Bill$932 (2024)
Deeds & MortgagesJul 2020 Transfer
Feb 2018 Mortgage
Flood ZoneZone X (minimal risk)
APNC036906003700230

Property Details

APN / Parcel Number

Primary APNC036906003700230
Alternative APN
  • C-03-36-29-060-0370-0230

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,261 sqft Living Area
1st Floor Area835 sqft
FlooringTerrazzo
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1977
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialSlate
Lot Area8,400 sqft (0.192 acres)
Lot Dimensions105 ft deep x 80 ft wide
Garage TypeCarport
CarportCarport
Carport Area126 sqft
DrivewayDriveway
Driveway Area380 sqft

Exterior Amenities

PorchEnclosed Porch
Porch Area514 sqft
FenceFence
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC036906003700230
Street Address13325 GARNET TER
CitySEBRING
StateFL
Zip33875-9507
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionSEBRING LAKES UNIT 3 PB 7-PG 11 LOTS 23 + 24 BLK 37
Legal Range29E
Legal Township36S
Legal Section03
Legal SubdivisionSEBRING LAKES UNIT 3
Legal Block37
Legal Lot Number23-24 24
Legal Unit3
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1054
Census Tract961401

Owner

Source: Highlands County records, as of December 12, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address13325 GARNET TER, SEBRING, FL 33875-9507
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Feb 24, 2018Deed of Trust, Mortgage · VA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateJul 24, 2020
Transfer Doc0001992702
Record UpdatedJun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHIGHLANDS FL
Recording DateJul 24, 2020
Property Address13325 GARNET TER, SEBRING, FL 33875-9507
Document Number0001992702
Book / Page002764 / 000288
Instrument DateJul 14, 2020
Instrument1992702
Transaction TypeTransfer
Record UpdatedAug 17, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13325 GARNET TER SEBRING FL 338759507, SEBRING, FL 33875-9507

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address13325 GARNET TER, SEBRING, FL 33875-9507
Document Number0001886697
Instrument DateFeb 24, 2018
Transaction TypeMortgage
Record UpdatedMar 16, 2018
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address13325 GARNET TER SEBRING FL 338759507, SEBRING, FL 33875-9507

Mortgage

Document Number0001886697
DateMar 2, 2018
Book Page002623/001727
Instrument1886697
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2048

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$93,747 (+5.99%)$118,370 (-4.6%) Land $8,000 Building $110,370
2024$932.00 (+4.6%)
2023$891.00 (-3.26%) Homeowner's exemption Widower's exemption$88,451 (+3%)$124,081 (+41.47%) Land $5,200 Building $118,881
2022$921.00 Homeowner's exemption Widower's exemption$85,875$87,711 Land $3,600 Building $84,111

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies22 in force
Nearby Flood Claims7 (2017–2024)
Claims Outside the SFHA1 of 7
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 2 claims
  • Hurricane Helene, Sep 2024 · 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

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

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Xfinity
Cable · Fiber in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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