2021 Flower Ter, Sebring, FL 33875 Property Records

Highlands County property record for 2021 Flower Ter, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,522 sqft · built 2023
Lot Size	0.999 acres (43,550 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Feb 2023)
Tax Bill	$2,886 (2024)
Deeds & Mortgages	Jul 2022 Construction Loan Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-24-35-28-080-0130-0060`

Property Details

APN / Parcel Number

Primary APN	`C-24-35-28-080-0130-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,522 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	43,550 sqft (0.999 acres)
Lot Dimensions	335 ft deep x 130 ft wide
Garage Type	Finished
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	595 sqft
Porch	Open Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2021 FLOWER TER
City	SEBRING
State	FL
Zip	33875-6047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ORANGE BLOSSOM EST UNIT 8 PB 6-PG 18 LOT 6 BLK 13
Legal Range	28E
Legal Township	35S
Legal Section	24
Legal Subdivision	ORANGE BLOSSOM EST
Legal Block	13
Legal Lot Number	6
Legal Unit	8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3037
Census Tract	961301

Owner

2021 Flower Ter is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2021 FLOWER TER, SEBRING, FL 33875-6047
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 27, 2022	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK
Feb 16, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2023 · Amount on File
Deed Sale	Feb 16, 2023 · Amount on File
Prior Sale	Dec 19, 2011 · Amount on File
Deed Document Number	2136919
Deed Book / Page	2957 / 939
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2021 FLOWER TER, SEBRING, FL 33875-6047
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002107170
Date	Jul 27, 2022
Book Page	2921/776
Instrument	2107170

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Jan 25, 2024

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 16, 2023
Property Address	2021 FLOWER TER, SEBRING, FL 33875-6047
Document Number	0002136919
Book / Page	2957 / 939
Map Reference	MB 6 PG 18
Instrument Date	Feb 15, 2023
Instrument	2136919
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2014 QUEEN AVE, SEBRING, FL 33875-8037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 FLOWER TER, SEBRING, FL 33875-6047

Mortgage

Document Number	0002957941
Date	Feb 16, 2023
Instrument	2957/941

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	9.75%

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		$232,708	$351,393 Land $37,180 Building $314,213
2024	$2,886.00 (+386.68%)
2023	$593.00 (+24.32%)	$22,984 (-) Land $22,984	$22,984 (-) Land $22,984
2022	$477.00	$22,984 Land $22,984	$22,984 Land $22,984

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2021 Flower 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

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 2021 Flower Ter is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	0.5% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Flower Ter

Nearby Streets

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