3004 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3004 Cedora Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,089 sqft · built 2006
Lot Size	0.276 acres (12,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,900 (Aug 2015)
Tax Bill	$2,639 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-34-29-060-0000-0230`

Property Details

APN / Parcel Number

Primary APN	`S-17-34-29-060-0000-0230`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,089 sqft Living Area
Gross Area	2,589 sqft
1st Floor Area	1,906 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	12,040 sqft (0.276 acres)
Lot Dimensions	132 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Enclosed Pool
Porch	Florida Room
Porch Area	343 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3004 CEDORA TER
City	SEBRING
State	FL
Zip	33870-6828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SUNSET POINTE ON DINNER LAKE PB 16-PG 55 LOT 23
Legal Range	29E
Legal Township	34S
Legal Section	17
Legal Subdivision	SUNSET POINTE ON
Legal Lot Number	23
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2003
Census Tract	960900

Owner

Source: Highlands County records, as of September 10, 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	3004 CEDORA TER, SEBRING, FL 33870-6828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 21, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit BB&T BK
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2015 · Amount on Record
Deed Sale	Aug 3, 2015 · Amount on Record
Prior Sale	Mar 14, 2011 · Amount on Record
Deed Document Number	20151782694
Deed Book / Page	2488 / 1298
Prior Transfer Date	Jan 24, 2011
Prior Transfer Doc	0001608508
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 2, 2026
Property Address	3004 CEDORA TER, SEBRING, FL 33870-6828
Document Number	0002329002
Book / Page	3215 / 1100
Instrument Date	Aug 28, 2026
Instrument	20262329002
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 CEDORA TER, SEBRING, FL 33870-6828

Mortgage

Document Number	0002329002,
Date	Sep 2, 2026
Book Page	3215/1100
Instrument	20262329002

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3004 CEDORA TER, SEBRING, FL 33870-6828
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002044948
Date	Jul 21, 2021
Book Page	2838/1525
Instrument	2044948

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3004 CEDORA TER, SEBRING, FL 33870-6828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001983084
Date	Apr 21, 2020
Book Page	2749/845
Instrument	1983084

Lender

Name	CENTERSTATE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 13, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3004 CEDORA TER, SEBRING, FL 33870-6828
Document Number	0001983083
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 CEDORA TER SEBRING FL 338706828, SEBRING, FL 33870-6828

Mortgage

Document Number	0001983083
Date	Apr 21, 2020
Book Page	002749/000842
Instrument	1983083

Lender

Name	BB&T BK
Type	Bank
Address	GREENVILLE, SC 29602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3004 CEDORA TER, SEBRING, FL 33870-6828
Document Number	0001853431
Book / Page	002581 / 000702
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3004 CEDORA TER SEBRING FL 338706828, SEBRING, FL 33870-6828

Mortgage

Document Number	0001853431
Date	May 17, 2017
Book Page	002581/000702
Instrument	1853431

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 16, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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	$2,639.00 (+4.72%) Homeowner's exemption	$156,805 (+5.99%)	$249,102 (-9.27%) Land $12,500 Building $236,602
2024	$2,520.00 (+3.66%)
2023	$2,431.00 (+5.79%) Homeowner's exemption	$147,948 (+3%)	$274,566 (+16.09%) Land $12,500 Building $262,066
2022	$2,298.00 Homeowner's exemption	$143,639	$236,516 Land $12,500 Building $224,016

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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