3011 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3011 Cedora Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,471 sqft · built 2007
Lot Size	0.682 acres (29,707 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jul 2026)
Tax Bill	$4,789 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-34-29-060-0000-0160`

Property Details

APN / Parcel Number

Primary APN	`S-17-34-29-060-0000-0160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,471 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	2,471 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	29,707 sqft (0.682 acres)
Lot Dimensions	292 ft deep x 104 ft wide
View / Lot	Water
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	675 sqft
Porch	Open Porch
Porch Area	603 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3011 CEDORA TER
City	SEBRING
State	FL
Zip	33870-6829
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 16
Legal Range	29E
Legal Township	34S
Legal Section	17
Legal Subdivision	SUNSET POINTE ON
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2003
Census Tract	960900

Owner

Source: Highlands County records, as of July 30, 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	12646 SW 9TH PL, DAVIE, FL 33325-5590
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CREDIT UNION
Oct 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Mar 25, 2014 · Amount on Record
Deed Document Number	20262322565
Deed Book / Page	3206 / 1100
Prior Transfer Date	Jun 28, 2017
Prior Transfer Doc	0001857656
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 21, 2026
Property Address	3011 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0002322565
Book / Page	3206 / 1100
Instrument Date	Jul 16, 2026
Instrument	20262322565
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12646 SW 9TH PL, DAVIE, FL 33325-5590

Mortgage

Document Number	0002322565,
Date	Jul 21, 2026
Book Page	3206/1102
Instrument	20262322565

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 29, 2019
Property Address	3011 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0001961622
Book / Page	002720 / 000190
Instrument Date	Oct 22, 2019
Instrument	1961622
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	108 STAR FRUIT AVE LAKE PLACID FL 338526600, LAKE PLACID, FL 33852-6600

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 29, 2017
Property Address	3011 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0001857656
Book / Page	002587 / 000848
Instrument Date	Jun 28, 2017
Instrument	1857656
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3011 CEDORA TER SEBRING FL 338706829, SEBRING, FL 33870-6829

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	$4,789.00 (+4.04%)	$272,124 (+5.99%)	$511,142 (+19.56%) Land $113,256 Building $397,886
2024	$4,603.00 (+2.59%)
2023	$4,487.00 (+2.72%) Homeowner's exemption Widower's exemption	$256,752 (+3%)	$427,526 (+13.04%) Land $46,332 Building $381,194
2022	$4,368.00 Homeowner's exemption Widower's exemption	$249,274	$378,192 Land $46,332 Building $331,860

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 100 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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