233 Oxbow Dr, Sebring, FL 33876 Property Records

Highlands County property record for 233 Oxbow Dr, Sebring, FL 33876

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 2021
Lot Size	0.335 acres (14,625 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (May 2021)
Tax Bill	$2,750 (2024)
Deeds & Mortgages	Dec 2020 Construction Loan May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-15-35-30-060-00V0-0100`

Property Details

APN / Parcel Number

Primary APN	`C-15-35-30-060-00V0-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,548 sqft Living Area
Flooring	Slate
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	14,625 sqft (0.335 acres)
Lot Dimensions	125 ft deep x 117 ft wide
Garage Type	Finished
Garage Area	399 sqft
Driveway	Driveway
Driveway Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	233 OXBOW DR
City	SEBRING
State	FL
Zip	33876-7414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPRING LAKE VILLAGE VI PB 10-PG 21 LOT 10 BLK V
Legal Range	30E
Legal Township	35S
Legal Section	15
Legal Subdivision	SPRING LAKE VILL 06
Legal Block	V
Legal Lot Number	10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4066
Census Tract	961000

Owner

Source: Highlands County records, as of December 12, 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 Record
Mailing Address	233 OXBOW DR, SEBRING, FL 33876-7414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK
May 28, 2021	Warranty Deed, Transfer CAPSTONE TITLE LLC
Aug 5, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on Record
Deed Sale	May 28, 2021 · Amount on Record
Prior Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	0028261758
Deed Book / Page	2826 / 1758
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	233 OXBOW DR, SEBRING, FL 33876-7414
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 RUTLEDGE AVE, LAKE PLACID, FL 33852-8667

Mortgage

Document Number	0002012193
Date	Dec 23, 2020
Book Page	2791/1868
Instrument	2012193

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33872

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Jun 21, 2022

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 28, 2021
Property Address	233 OXBOW DR, SEBRING, FL 33876-7414
Document Number	0002036740
Book / Page	2826 / 1758
Map Reference	MB 10 PG 21
Instrument Date	May 28, 2021
Instrument	2036740
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1608 RUTLEDGE AVE, LAKE PLACID, FL 33852-8667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 OXBOW DR, SEBRING, FL 33876-7414
Investor	Possibly a Property Investor

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 5, 2020
Property Address	233 OXBOW DR, SEBRING, FL 33876-7414
Document Number	0001993941
Book / Page	002766 / 000053
Instrument Date	Jul 31, 2020
Instrument	1993941
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$49.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1608 RUTLEDGE AVE LAKE PLACID FL 338528667, LAKE PLACID, FL 33852-8667

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		$203,958 (+5.99%)	$230,906 (+2.05%) Land $15,000 Building $215,906
2024	$2,750.00
2023	Homeowner's exemption	$192,437	$226,258 Land $15,000 Building $211,258

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2017–2022)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Water System	SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 95 locations within half a mile, as of December 31, 2025

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

May also be available: Conexon Connect.

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