1820 Sandtrap Ct, Sebring, FL 33872 Property Records

Highlands County property record for 1820 Sandtrap Ct, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,240 sqft · built 2006
Lot Size	0.673 acres (29,327 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,050 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C-34-34-28-024-0000-2760`

Property Details

APN / Parcel Number

Primary APN	`C-34-34-28-024-0000-2760`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,240 sqft Living Area
1st Floor Area	2,758 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,327 sqft (0.673 acres)
Garage Type	Finished
Garage Area	570 sqft
Driveway	Driveway
Driveway Area	928 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	450 sqft
Porch	Open Porch
Porch Area	467 sqft
Patio Area	828 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1820 SANDTRAP CT
City	SEBRING
State	FL
Zip	33872-3875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GOLF HAMMOCK UNIT 4 PB 14 PG 78 LOT 276
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	GOLF HAMMOCK UNIT 4
Legal Lot Number	276
Legal Unit	4
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4041
Census Tract	960602

Owner

1820 Sandtrap Ct is owned and occupied by two individuals who acquired it in September 2005.

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 Record	2 Individual Names on File
Mailing Address	1820 SANDTRAP CT, SEBRING, FL 33872-3875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2005
Deed Sale	Sep 30, 2005
Prior Sale	Apr 21, 2005 · Amount on File
Deed Document Number	1349856
Deed Book / Page	1845 / 0200
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	1820 SANDTRAP CT, SEBRING, FL 33872-3875
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 SANDTRAP CT, SEBRING, FL 33872-3875

Mortgage

Document Number	0002071383
Date	Jan 5, 2022
Book Page	2875/1385
Instrument	2071383

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	1820 SANDTRAP CT, SEBRING, FL 33872-3875
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001849969
Date	Apr 19, 2017
Book Page	2576/0832
Instrument	1849969

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 11, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$242,432	$381,825 Land $30,000 Building $351,825
2024	$3,050.00 (+2.25%)
2023	$2,983.00 (+1.43%) Homeowner's exemption	$228,738 (+3%)	$389,369 (+14.98%) Land $28,000 Building $361,369
2022	$2,941.00 Homeowner's exemption	$222,076	$338,630 Land $28,000 Building $310,630

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

Flood

FEMA maps place 1820 Sandtrap Ct 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 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 1820 Sandtrap Ct is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 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

May also be available: Verizon.

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