2749 Sandy Loam Ct, Sebring, FL 33875 Property Records

Highlands County property record for 2749 Sandy Loam Ct, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1998
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2024)
Tax Bill	$3,339 (2025)
Deeds & Mortgages	Dec 2023 Sale Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C-09-35-28-014-0000-0110`

Property Details

APN / Parcel Number

Primary APN	`C-09-35-28-014-0000-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	1,887 sqft
1st Floor Area	1,408 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,318 sqft (0.168 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	479 sqft
Driveway	Concrete Driveway
Driveway Area	1,020 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Open Porch
Porch Area	174 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2749 SANDY LOAM CT
City	SEBRING
State	FL
Zip	33875-4771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3FUD
Legal Description	PRAIRIE OAKS VILLAGE PB 15 PG 88 LOT 11
Legal Range	28E
Legal Township	35S
Legal Section	09
Legal Subdivision	PRAIRIE OAKS VILLAGE
Legal Lot Number	11
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3019
Census Tract	961301

Owner

2749 Sandy Loam Ct is owned and occupied by two individuals who bought it in October 2024.

Source: Highlands County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 13, 2023	Warranty Deed, Transfer WHEATLAND TITLE, HEARTLAND TITLE
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK
Sep 10, 2018	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK
Mar 17, 2017	Special Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2024 · Amount on File
Deed Sale	Oct 3, 2024 · Amount on File
Prior Sale	Dec 13, 2023 · Amount on File
Deed Document Number	20242225299
Deed Book / Page	3073 / 231
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 13, 2023
Property Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771
Document Number	0002182069
Book / Page	3015 / 780
Map Reference	MB 15 PG 88
Instrument Date	Dec 11, 2023
Instrument	2182069
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7038 STRAFFORD OAKS DR, SEBRING, FL 33875-4702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002104954
Date	Jul 14, 2022
Book Page	2918/1494
Instrument	2104954

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 8, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 10, 2018
Property Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771
Document Number	0001910910
Book / Page	2655 / 0203
Map Reference	MB15 PG88
Instrument Date	Sep 4, 2018
Instrument	1910910
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	HEARTLAND TITLE INS AGCY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8571 COATES RD, BENZONIA, MI 49616-9774

Mortgage

Document Number	0001910911
Date	Sep 10, 2018
Instrument	1910911

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2033

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 17, 2017
Property Address	2749 SANDY LOAM CT, SEBRING, FL 33875-4771
Document Number	0001846395
Book / Page	2571 / 0825
Map Reference	MB15 PG88
Instrument Date	Feb 20, 2017
Instrument	1846395
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	HEARTLAND TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8571 COATES RD, BENZONIA, MI 49616-9774

Mortgage

Document Number	0001846396
Date	Mar 17, 2017
Instrument	1846396

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2749 Sandy Loam Ct was $3,339, up 194.4% from the year before.

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	$3,339.00 (+194.44%)	$225,971 Land $17,820 Building $208,151	$225,971 Land $17,820 Building $208,151
2024	$1,134.00 (-28.81%)
2023	$1,593.00 (+2.12%) Homeowner's exemption	$132,959 (+3%)	$197,803 (+4.97%) Land $11,880 Building $185,923
2022	$1,560.00 Homeowner's exemption	$129,086	$188,438 Land $11,880 Building $176,558

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

FEMA maps place 2749 Sandy Loam Ct in Zone X, an area of minimal flood risk.

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 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 2749 Sandy Loam Ct is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% 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 107 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

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