Highlands County property record for 2005 Overlook Bay Dr, Sebring, FL 33875 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2,615 sqft |
| Lot Size | 3.8 acres (165,964 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Feb 2023) |
| Tax Bill | $2,432 (2024) |
| Deeds & Mortgages | Jun 2023 Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S-17-35-29-080-0000-0820 |
| Primary APN | S-17-35-29-080-0000-0820 |
|---|
| Building Area | 2,615 sqft Living Area |
|---|
| Lot Area | 165,964 sqft (3.8 acres) |
|---|---|
| Driveway | Driveway |
| Driveway Area | 3,913 sqft |
| Pool Area | 348 sqft |
|---|---|
| Patio Area | 877 sqft |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Street Address | 2005 OVERLOOK BAY DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-6246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND LAKES RESERVE PB 16 PG 96 LOT 82 |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 17 |
| Legal Subdivision | HIGHLAND LAKES RESERVE |
| Legal Lot Number | 82 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 961304 |
Source: Highlands County records · APN S-17-35-29-080-0000-0820
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2005 OVERLOOK BAY DR, SEBRING, FL 33875-6246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2023 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 10, 2023 · Amount on Record |
| Deed Sale | Feb 10, 2023 · Amount on Record |
| Prior Sale | Jul 02, 2009 · Amount on Record |
| Deed Document Number | 2136241 |
| Deed Book / Page | 2956 / 1107 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 2005 OVERLOOK BAY DR, SEBRING, FL 33875-6246 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 78 FAIRWAY RD, ROTONDA WEST, FL 33947-2016 |
| Document Number | 0002155121 |
|---|---|
| Date | Jun 08, 2023 |
| Book Page | 2980/474 |
| Instrument | 2155121 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Feb 10, 2023 |
| Property Address | 2005 OVERLOOK BAY DR, SEBRING, FL 33875-6246 |
| Document Number | 0002136241 |
| Book / Page | 2956 / 1107 |
| Map Reference | MB 16 PG 96 |
| Instrument Date | Feb 08, 2023 |
| Instrument | 2136241 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSING I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $728.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 FAIRWAY RD, ROTONDA WEST, FL 33947-2016 |
| Document Number | 0029561109 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 2956/1109 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Mar 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Municipality | Sebring City |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $486,962 (+425.97%) | $697,208 (+653.06%) Land $171,450 Building $525,758 | |
| 2024 | $2,432.00 (+79.22%) | ||
| 2023 | $1,357.00 (+12.99%) | $92,583 (+17.39%) Land $92,583 | $92,583 (+17.39%) Land $92,583 |
| 2022 | $1,201.00 | $78,867 Land $78,867 | $78,867 Land $78,867 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | High above 71% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 198 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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