Highlands County property record for 2740 Treasure Cay Ln, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,093 sqft · built 2006 |
| Lot Size | 0.189 acres (8,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $349,900 (Apr 2006) |
| Tax Bill | $2,307 (2025) |
| Deeds & Mortgages | May 2026 Sale Apr 2019 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-09-35-28-080-0000-0200 |
| Primary APN | C-09-35-28-080-0000-0200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,093 sqft Living Area |
| Gross Area | 2,789 sqft |
| 1st Floor Area | 1,913 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,246 sqft (0.189 acres) |
| Lot Dimensions | 125 ft deep x 66 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 696 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 684 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 267 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 2740 TREASURE CAY LN |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-4775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3FUD |
| Legal Description | CTRY CLB OF SEB PH 2 SEC 2 STERLING OAKS PB 16 PG 29 LOT 20-LESS N 7.35 FT |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 09 |
| Legal Subdivision | COUNTRY CLUB OF SEB PH 2 SEC 2 |
| Legal Lot Number | 20 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 961301 |
Source: Highlands County records, as of August 21, 2026
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 Record |
|---|---|
| Mailing Address | 2740 TREASURE CAY LN, SEBRING, FL 33875-4775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 18, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 15, 2019 | Deed of Trust, Mortgage · Reverse Mortgage BLUE RIDGE BANK |
| Apr 5, 2019 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2006 · Amount on Record |
| Deed Sale | Apr 27, 2006 · Amount on Record |
| Prior Sale | Sep 11, 2001 · Amount on Record |
| Deed Document Number | 20061390583 |
| Deed Book / Page | 1966 / 1116 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0002270093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 18, 2026 |
| Property Address | 2740 TREASURE CAY LN, SEBRING, FL 33875-4775 |
| Document Number | 0002313452 |
| Book / Page | 3193 / 1016 |
| Instrument Date | May 18, 2026 |
| Instrument | 20262313452 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2740 TREASURE CAY LN, SEBRING, FL 33875-4775 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 2740 TREASURE CAY LN, SEBRING, FL 33875-4775 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001936536 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 2687/1452 |
| Instrument | 1936536 |
| Name | BLUE RIDGE BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27409 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 795 Months |
| Due | Jul 13, 2085 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.71% |
| Type Change Date | May 1, 2020 |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 2740 TREASURE CAY LN, SEBRING, FL 33875-4775 |
| Document Number | 0001936537 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2740 TREASURE CAY LN SEBRING FL 338754775, SEBRING, FL 33875-4775 |
| Document Number | 0001936537 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 002687/001470 |
| Instrument | 1936537 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 792 Months |
| Due | Apr 14, 2085 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.71% |
Source: Highlands County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,307.00 (+3.18%) | $188,522 (+5.99%) | $322,953 (+6.21%) Land $23,100 Building $299,853 |
| 2024 | $2,236.00 (+2.66%) | ||
| 2023 | $2,178.00 (-1.04%) Homeowner's exemption Disabled Person's exemption | $177,873 (+3%) | $304,071 (+20.32%) Land $19,800 Building $284,271 |
| 2022 | $2,201.00 Homeowner's exemption Disabled Person's exemption | $172,692 | $252,710 Land $19,800 Building $232,910 |
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.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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