297 Otter Trl, Sebring, FL 33875 Property Records

Highlands County property record for 297 Otter Trl, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,119 sqft · built 2013
Lot Size	9.89 acres (430,808 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Jun 2021)
Tax Bill	$7,487 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C1168A0005200000`

Property Details

APN / Parcel Number

Primary APN	`C1168A0005200000`
Alternative APN	`C-11-36-28-A00-0520-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	1 Room
Stories	1 Story
Building Area	3,119 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	430,808 sqft (9.89 acres)
Lot Dimensions	626 ft deep x 666 ft wide
Driveway	Driveway
Driveway Area	192 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	666 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C1168A0005200000
Street Address	297 OTTER TRL
City	SEBRING
State	FL
Zip	33875-6329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	SW 1/4 OF SW 1/4 OF SE 1/4 11-36-28/52 9.89 ACRES
Legal Range	28E
Legal Township	36S
Legal Section	11
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1007
Census Tract	961602

Owner

297 Otter Trl is owned and occupied by an individual who bought it in June 2021.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	297 OTTER TRL, SEBRING, FL 33875-6329
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU
Nov 7, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 7, 2018	Quit Claim Deed, Transfer HEARTLAND TITLE INS AGCY CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Nov 7, 2018 · Amount on File
Deed Document Number	2037161
Deed Book / Page	2827 / 1101
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 2, 2021
Property Address	297 OTTER TRL, SEBRING, FL 33875-6329
Document Number	0002037161
Book / Page	2827 / 1101
Instrument Date	May 28, 2021
Instrument	2037161
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	SECURITY TITLE COMPANY, SECURITY TTL & ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9930 SE ENGLISH AVE, 9930, ARCADIA, FL 34266-3182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 OTTER TRL, SEBRING, FL 33875-6329

Mortgage

Document Number	0028271103
Date	Jun 2, 2021
Instrument	2827/1103

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 7, 2018
Property Address	297 OTTER TRL, SEBRING, FL 33875-6329
Document Number	0001917592
Book / Page	2663 / 1515
Instrument Date	Nov 2, 2018
Instrument	1917592
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	HERTLAND TITLE INS AGCY CO

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	297 OTTER TRL, 297, SEBRING, FL 33875-6329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 OTTER TRL, SEBRING, FL 33875-6329

Mortgage

Document Number	0001917593
Date	Nov 7, 2018
Instrument	1917593

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 7, 2018
Property Address	297 OTTER TRL, SEBRING, FL 33875-6329
Document Number	0001917591
Book / Page	2663 / 1512
Instrument Date	Oct 1, 2018
Instrument	1917591
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	HEARTLAND TITLE INS AGCY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5521 WHIPPOORWILL RD, 5521, SEBRING, FL 33875-6317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	297 OTTER TRL, SEBRING, FL 33875-6329

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		$454,888 Land $167,138 Building $287,750	$454,888 Land $167,138 Building $287,750
2024	$7,487.00 (+3.84%)
2023	$7,210.00 (+11.61%)	$535,046 (+22.59%) Land $135,518 Building $399,528	$535,046 (+22.59%) Land $135,518 Building $399,528
2022	$6,460.00	$436,452 Land $108,414 Building $328,038	$436,452 Land $108,414 Building $328,038

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

Flood

FEMA maps place 297 Otter Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (2001–2024)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
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

Wildfire risk around 297 Otter Trl is high, ranking above 85% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 85% of the US · above 76% of Florida
Wildfire Likelihood	0.7% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rapid Systems Fixed Wireless	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Otter Trl

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