3002 Osprey Point Cir, Sebring, FL 33875 Property Records

Highlands County property record for 3002 Osprey Point Cir, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,611 sqft · built 2022
Lot Size	2.28 acres (99,317 sqft)
Owner	Individual Name on Record
Last Sale	$44,000 (Jan 2021)
Tax Bill	$7,011 (2024)
Deeds & Mortgages	Feb 2021 Construction Loan Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-35-29-080-0000-1000`

Property Details

APN / Parcel Number

Primary APN	`S-17-35-29-080-0000-1000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,611 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	99,317 sqft (2.28 acres)
Garage Type	Finished
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3002 OSPREY POINT CIR
City	SEBRING
State	FL
Zip	33875-6045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1AA
Legal Description	HIGHLAND LAKES RESERVE PB 16 PG 96 LOT 100
Legal Range	29E
Legal Township	35S
Legal Section	17
Legal Subdivision	HIGHLAND LAKES RESERVE
Legal Lot Number	100
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2026
Census Tract	961304

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
Co-owner	Co-owner on Record
Mailing Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND NATIONAL BANK
Jan 4, 2021	Warranty Deed, Transfer · Commercial Mortgage HEARTLAND NATIONAL BANK
Aug 18, 2020	Warranty Deed, Transfer · Commercial Mortgage HEARTLAND NATIONAL BANK
Dec 26, 2018	Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Aug 18, 2020 · Amount on Record
Deed Document Number	2013210
Deed Book / Page	2793 / 1752
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 PAR RD, SEBRING, FL 33872-1217

Mortgage

Document Number	0002020735
Date	Feb 24, 2021
Book Page	2804/939
Instrument	2020735

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2022

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	HEARTLAND TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045

Mortgage

Document Number	0002111359
Date	Aug 23, 2022
Book Page	2926/1076
Instrument	2111359

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 4, 2021
Property Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Document Number	0002013210
Book / Page	2793 / 1752
Map Reference	MB 16 PG 96
Instrument Date	Dec 29, 2020
Instrument	2013210
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INS AGCY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3024 CALLIOPE DR, AVON PARK, FL 33825-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 PAR RD, SEBRING, FL 33872-1217

Mortgage

Document Number	0027931754
Date	Jan 4, 2021
Instrument	2793/1754

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 18, 2020
Property Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Document Number	0001995344
Book / Page	2768 / 408
Map Reference	MB 16 PG 96
Instrument Date	Aug 7, 2020
Instrument	1995344
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	HEARTLAND TITLE INS AGCY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 WOODLAND DR, 95, HANOVER, MA 02339-1423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3024 CALLIOPE DR, AVON PARK, FL 33825-2256

Mortgage

Document Number	0002768410
Date	Aug 18, 2020
Instrument	2768/410

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 17, 2025

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 26, 2018
Property Address	3002 OSPREY POINT CIR, SEBRING, FL 33875-6045
Document Number	0001923011
Book / Page	002671 / 000007
Instrument Date	Dec 10, 2018
Instrument	1923011
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$140.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 WOODLAND DR HANOVER MA 023391423, HANOVER, MA 02339-1423

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$394,350 (+5.99%)	$512,651 (+19.9%) Land $102,600 Building $410,051
2024	$7,011.00 (+2.04%)
2023	$6,871.00 (+584.36%) Homeowner's exemption	$372,074 (+609.52%)	$427,571 (+715.35%) Land $61,560 Building $366,011
2022	$1,004.00	$52,440 Land $52,440	$52,440 Land $52,440

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 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 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

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

3002 Osprey Point Cir, Sebring, FL 33875 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Osprey Point Cir

Nearby Streets

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