2786 Grace Ln, Sebring, FL 33875 Property Records

Highlands County property record for 2786 Grace Ln, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,145 sqft · built 1988
Lot Size	5.07 acres (221,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$104,900 (Apr 2017)
Tax Bill	$4,493 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C315901000810000`

Property Details

APN / Parcel Number

Primary APN	`C315901000810000`
Alternative APN	`C-31-35-29-010-0081-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,145 sqft Living Area
1st Floor Area	1,810 sqft
Flooring	Carpet
Interior Walls	Unfinished

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	221,186 sqft (5.07 acres)
Driveway	Driveway
Driveway Area	340 sqft

Exterior Amenities

Porch	Slab
Porch Area	802 sqft
Deck Area	Deck Area
Patio Area	288 sqft
Shed	1 Shed
Shed Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2786 GRACE LN
City	SEBRING
State	FL
Zip	33875-9798
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	SEBRING LAKES UNITS 4A-B-C UNREC RPLT BY D THOMAS SVY S 430 FT OF TRACT 8 + E 25 FT OF N 505 FT THEREOF 5.075 ACRES
Legal Range	29E
Legal Township	35S
Legal Section	31
Legal Subdivision	SEBRING LAKES UNITS 4A-4B-4C
Legal Tract	8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1000
Census Tract	961401

Owner

Source: Highlands County records, as of September 28, 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	2786 GRACE LN, SEBRING, FL 33875-9798
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 24, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Mar 25, 2020	Loan Modification, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC
Apr 6, 2017	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2017 · Amount on Record
Deed Sale	Apr 6, 2017 · Amount on Record
Prior Sale	Feb 4, 2016 · Amount on Record
Deed Document Number	20171848564
Deed Book / Page	2574 / 711
Prior Transfer Date	Feb 3, 2016
Prior Transfer Doc	0001802937
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2786 GRACE LN, SEBRING, FL 33875-9798
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2786 GRACE LN, SEBRING, FL 33875-9798

Mortgage

Document Number	0002180938
Date	Dec 6, 2023
Book Page	3013/1787
Instrument	2180938

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Mar 1, 2050

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	2786 GRACE LN, SEBRING, FL 33875-9798
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2786 GRACE LN, SEBRING, FL 33875-9798

Mortgage

Document Number	0002111698
Date	Aug 24, 2022
Book Page	2926/1879
Instrument	2111698

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Mar 1, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	2786 GRACE LN, SEBRING, FL 33875-9798
Document Number	0001983899
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2786 GRACE LN SEBRING FL 338759798, SEBRING, FL 33875-9798

Mortgage

Document Number	0001983899
Date	Apr 29, 2020
Book Page	002750/001082
Instrument	1983899

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

Interest

Rate	3.87%

April 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 6, 2017
Property Address	2786 GRACE LN, SEBRING, FL 33875-9798
Document Number	0001848564
Book / Page	2574 / 0711
Instrument Date	Mar 30, 2017
Instrument	1848564
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2786 GRACE LN, SEBRING, FL 33875-9798

Mortgage

Document Number	0001848565
Date	Apr 6, 2017
Instrument	1848565

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

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	$4,493.00 (-4.3%) Homeowner's exemption	$349,605 (-2.93%) Land $84,184 Building $265,421	$349,605 (-2.93%) Land $84,184 Building $265,421
2024	$4,695.00 (-0.28%)
2023	$4,708.00 (+47.22%) Homeowner's exemption	$360,140 (+56.79%) Land $54,606 Building $305,534	$360,140 (+56.79%) Land $54,606 Building $305,534
2022	$3,198.00	$229,698 Land $45,505 Building $184,193	$229,698 Land $45,505 Building $184,193

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	7 (2017–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	LAKE JOSEPHINE HEIGHTS private · serves 1,325 people · EPA ID FL6280162
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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