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224 Montego Dr, Sebring, FL 33870 Property Records

Highlands County property record for 224 Montego Dr, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,232 sqft · built 2007
Lot Size0.371 acres (16,162 sqft)
Owner2 Individual Names on Record
Last Sale$170,000 (Oct 2022)
Tax Bill$1,560 (2025)
Deeds & MortgagesFeb 2023 Mortgage
Oct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC284909100000180

Property Details

APN / Parcel Number

Primary APNC284909100000180
Alternative APN
  • C-28-34-29-091-0000-0180

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,232 sqft Living Area
1st Floor Area1,169 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2011
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area16,162 sqft (0.371 acres)

Exterior Amenities

PorchFlorida Room
Porch Area63 sqft
Patio Area16 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address224 MONTEGO DR
CitySEBRING
StateFL
Zip33870-4272
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeM1S
Legal DescriptionRIDGEWOOD ESTATES UNIT II PB 15-PG 34 LOT 18
Legal Range29E
Legal Township34S
Legal Section28
Legal SubdivisionRIDGEWOOD ESTATES
Legal Lot Number18
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group1
Census Block1019
Census Tract960900

Owner

Source: Highlands County records, as of June 30, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address224 MONTEGO DR, SEBRING, FL 33870-4272
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 1, 2023Deed of Trust, Mortgage · Conventional Mortgage
NETWORK CAPITAL FUNDING CORP
Oct 14, 2022Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 14, 2022 · Amount on Record
Deed SaleOct 14, 2022 · Amount on Record
Deed Document Number20222119258
Deed Book / Page2936 / 187
Record UpdatedOct 29, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address224 MONTEGO DR, SEBRING, FL 33870-4272
Transaction TypeMortgage
Record UpdatedFeb 9, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 MONTEGO DR, SEBRING, FL 33870-4272

Mortgage

Document Number0002134889
DateFeb 1, 2023
Book Page2954/1832
Instrument2134889
Lender
NameNETWORK CAPITAL FUNDING CORP
TypeMortgage Company
AddressIRVINE, CA 92618
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2053

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateOct 14, 2022
Property Address224 MONTEGO DR, SEBRING, FL 33870-4272
Document Number0002119258
Book / Page2936 / 187
Map ReferenceMB 15 PG 34
Instrument DateOct 14, 2022
Instrument2119258
Transaction TypeTransfer
Record UpdatedOct 31, 2022
Title CompanySOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address398 TAUNTON RD SW, 398, PALM BAY, FL 32908-6832

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 MONTEGO DR, SEBRING, FL 33870-4272

Mortgage

Document Number0002936188
DateOct 14, 2022
Instrument2936/188
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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$1,560.00 (-0.19%) Homeowner's exemption Senior Citizen's exemption$143,584 (+0.8%) Land $9,600 Building $133,984$143,584 (+0.8%) Land $9,600 Building $133,984
2024$1,563.00 (-6.63%)
2023$1,674.00 Homeowner's exemption$142,438 (+171.16%) Land $4,250 Building $138,188$142,438 (+65.35%) Land $4,250 Building $138,188
2022Homeowner's exemption$52,529$86,141 Land $4,250 Building $81,891

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies6 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

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

Wildfire RiskHigh
above 78% of the US · above 66% of Florida
Wildfire Likelihood0.5% 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 99 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Fiber · Cable in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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