Highlands County property record for 301 Cardinal Rd, Sebring, FL 33876
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,397 sqft · built 1992 |
| Lot Size | 0.774 acres (33,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Sep 2020) |
| Tax Bill | $1,206 (2024) |
| Deeds & Mortgages | Oct 2018 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-15-35-30-060-0JJ0-0040 |
| Primary APN | C-15-35-30-060-0JJ0-0040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,397 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 33,750 sqft (0.774 acres) |
| Lot Dimensions | 125 ft deep x 135 ft wide |
| Garage Type | Finished |
| Garage Area | 792 sqft |
| Driveway | Driveway |
| Driveway Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 1,075 sqft |
| Patio Area | 480 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 301 CARDINAL RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-7417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SPRING LAKE VILLAGE VI PB 10 PG 21 LOTS 4 + 7 + 8 BLK JJ |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | SPRING LAKE VILL 06 |
| Legal Block | JJ |
| Legal Lot Number | 4-8 7 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 961000 |
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 | 2 Co-owners on Record |
| Mailing Address | 301 CARDINAL RD, SEBRING, FL 33876-7417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 3, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Sep 14, 2020 | Warranty Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC |
| Jun 18, 2019 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Apr 4, 2005 · Amount on Record |
| Deed Document Number | 1998465 |
| Deed Book / Page | 2772 / 1233 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 301 CARDINAL RD, SEBRING, FL 33876-7417 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0001913514 |
|---|---|
| Date | Oct 3, 2018 |
| Book Page | 2658/1336 |
| Instrument | 1913514 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 301 CARDINAL RD, SEBRING, FL 33876-7417 |
| Document Number | 0001998465 |
| Book / Page | 2772 / 1233 |
| Map Reference | MB 10 PG 21 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 1998465 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 217 CARDINAL RD, 217, SEBRING, FL 33876-7412 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 221 WHATLEY BLVD, SEBRING, FL 33870-6768 |
| Document Number | 0027721235 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2772/1235 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 301 CARDINAL RD, SEBRING, FL 33876-7417 |
| Document Number | 0001946107 |
| Instrument Date | Jun 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 301 CARDINAL RD SEBRING FL 338767417, SEBRING, FL 33876-7417 |
| Document Number | 0001946107 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 002699/001896 |
| Instrument | 1946107 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2049 |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $242,154 (+5.99%) | $346,693 (+1.67%) Land $28,500 Building $318,193 | |
| 2024 | $1,206.00 (+10.54%) | ||
| 2023 | $1,091.00 (+3.61%) Disabled Person's exemption Veteran's exemption | $228,475 (+3%) | $341,008 (+14.5%) Land $28,500 Building $312,508 |
| 2022 | $1,053.00 Disabled Person's exemption Veteran's exemption | $221,820 | $297,818 Land $20,900 Building $276,918 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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 | 4 (2017–2022) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
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 | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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