2209 Manatee Dr, Sebring, FL 33870 Property Records

Highlands County property record for 2209 Manatee Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 2002
Lot Size	0.222 acres (9,683 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Feb 2026)
Tax Bill	$1,096 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C-12-34-28-020-00A0-0250`

Property Details

APN / Parcel Number

Primary APN	`C-12-34-28-020-00A0-0250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	2,185 sqft
1st Floor Area	1,788 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,683 sqft (0.222 acres)
Lot Dimensions	115 ft deep x 78 ft wide
View / Lot	Water
Garage Type	Attached
Garage Area	397 sqft
Driveway	Concrete Driveway
Driveway Area	731 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	380 sqft
Patio Area	132 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2209 MANATEE DR
City	SEBRING
State	FL
Zip	33870-8207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE SEBRING ACRES PB 5-PG 36 LOT 25 BLK A
Legal Range	28E
Legal Township	34S
Legal Section	12
Legal Subdivision	LAKE SEBRING ACRES
Legal Block	A
Legal Lot Number	25
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3016
Census Tract	960700

Owner

Source: Highlands County assessment roll, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	7441 NW 7TH ST, PLANTATION, FL 33317-1058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 27, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jan 29, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Sep 26, 2018	Warranty Deed, Transfer · VA Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Prior Sale	Sep 26, 2018 · Amount on Record
Deed Document Number	20262298759
Deed Book / Page	3172 / 793
Prior Transfer Date	Sep 15, 2010
Prior Transfer Doc	0001596495
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2209 MANATEE DR, SEBRING, FL 33870-8207
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002198733
Date	Apr 15, 2024
Book Page	3037/768
Instrument	2198733

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2209 MANATEE DR, SEBRING, FL 33870-8207
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002055709
Date	Sep 27, 2021
Book Page	2853/1482
Instrument	2055709

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2209 MANATEE DR, SEBRING, FL 33870-8207
Document Number	0001974174
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 MANATEE DR SEBRING FL 338708207, SEBRING, FL 33870-8207

Mortgage

Document Number	0001974174
Date	Feb 5, 2020
Book Page	002736/001759
Instrument	1974174

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 26, 2018
Property Address	2209 MANATEE DR, SEBRING, FL 33870-8207
Document Number	0001912581
Book / Page	002657 / 000869
Instrument Date	Sep 25, 2018
Instrument	1912581
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 YOUNGFIELD ST WHEAT RIDGE CO 800335245, WHEAT RIDGE, CO 80033-5245

Mortgage

Document Number	1912582
Date	Sep 26, 2018
Book Page	002657/000871
Instrument	1912582

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33803

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2048

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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	$1,096.00 (+2.81%) Homeowner's exemption Veteran's exemption	$226,487 (+5.99%)	$321,579 (+5.1%) Land $87,920 Building $233,659
2024	$1,066.00 (+3.5%)
2023	$1,030.00 (+9.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$213,693 (+12.2%)	$305,966 (+8.03%) Land $78,500 Building $227,466
2022	$938.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$190,459	$283,232 Land $56,520 Building $226,712

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	11 (1998–2022)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 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 Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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