3016 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3016 Cedora Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,656 sqft · built 2006
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,965 (2024)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Aug 2018 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-34-29-060-0000-0290`

Property Details

APN / Parcel Number

Primary APN	`S-17-34-29-060-0000-0290`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,656 sqft Living Area
1st Floor Area	2,239 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	450 sqft
Porch	Open Porch
Porch Area	518 sqft
Patio Area	510 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3016 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 LA PB 16-PG 55 LOT 29
Legal Range	29E
Legal Township	34S
Legal Section	17
Legal Subdivision	SUNSET POINTE ON
Legal Lot Number	29
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2003
Census Tract	960900

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
Mailing Address	3016 CEDORA TER, SEBRING, FL 33870-6828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Reverse Mortgage JET DIRECT FUNDING CORP
Aug 28, 2018	Deed of Trust, Mortgage · Reverse Mortgage JET DIRECT FUNDING CORP
Aug 22, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2019
Deed Sale	Jul 9, 2019
Prior Sale	Mar 10, 2006 · Amount on Record
Deed Document Number	0027011777
Deed Book / Page	2493 / 1038
Prior Transfer Date	Sep 3, 2015
Prior Transfer Doc	1786563
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3016 CEDORA TER, SEBRING, FL 33870-6828
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3016 CEDORA TER, SEBRING, FL 33870-6828

Mortgage

Document Number	0002051927
Date	Sep 2, 2021
Book Page	2848/1065
Instrument	2051927

Lender

Name	JET DIRECT FUNDING CORP
Type	Mortgage Company
Address	BAY SHORE, NY 11706

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	940 Months
Due	Jan 13, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.58%
Change Frequency	Annually
Index	1-Year LIBOR

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3016 CEDORA TER, SEBRING, FL 33870-6828
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001909433
Date	Aug 28, 2018
Book Page	2653/0205
Instrument	1909433

Lender

Name	JET DIRECT FUNDING CORP
Type	Non-Lending Institution
Address	BAY SHORE, NY 11706

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.81%
Type Change Date	Sep 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3016 CEDORA TER, SEBRING, FL 33870-6828
Document Number	0001909434
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3016 CEDORA TER SEBRING FL 338706828, SEBRING, FL 33870-6828

Mortgage

Document Number	0001909434
Date	Aug 28, 2018
Book Page	002653/000221
Instrument	1909434

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	984 Months
Due	Aug 27, 2100

Interest

Rate Type	Adjustable Rate
Rate	5.81%

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		$191,552 (+5.99%)	$284,964 (-8.57%) Land $12,500 Building $272,464
2024	$2,965.00 (+3.56%)
2023	$2,863.00 (+2.51%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$180,732 (+3%)	$311,671 (+15.49%) Land $12,500 Building $299,171
2022	$2,793.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$175,468	$269,861 Land $12,500 Building $257,361

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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