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3028 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3028 Cedora Ter, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,066 sqft · built 2006
Lot Size0.278 acres (12,116 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Oct 2024)
Tax Bill$4,309 (2025)
Deeds & MortgagesMay 2020 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNS-17-34-29-060-0000-0350

Property Details

APN / Parcel Number

Primary APNS-17-34-29-060-0000-0350

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area2,066 sqft Living Area
Gross Area2,566 sqft
1st Floor Area1,906 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area12,116 sqft (0.278 acres)
Lot Dimensions120 ft deep x 101 ft wide
Garage TypeAttached
Garage Area500 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area343 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3028 CEDORA TER
CitySEBRING
StateFL
Zip33870-6828
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionSUNSET POINTE ON DINNER LAKE PB 16-PG 55 LOT 35
Legal Range29E
Legal Township34S
Legal Section17
Legal SubdivisionSUNSET POINTE ON
Legal Lot Number35
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group2
Census Block2003
Census Tract960900

Owner

Source: Highlands County records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3028 CEDORA TER, SEBRING, FL 33870-6828
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
May 1, 2020Deed of Trust, Mortgage · Conventional Mortgage
HEARTLAND NATIONAL BANK
Jun 22, 2018Warranty Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 18, 2024 · Amount on File
Deed SaleOct 18, 2024 · Amount on File
Prior SaleJun 22, 2018 · Amount on File
Deed Document Number20242227214
Deed Book / Page3075 / 631
Prior Transfer DateJul 23, 2013
Prior Transfer Doc0001705847
Record UpdatedSep 20, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3028 CEDORA TER, SEBRING, FL 33870-6828
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001984384
DateMay 1, 2020
Book Page2751/458
Instrument1984384
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueMay 1, 2040

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateJun 22, 2018
Property Address3028 CEDORA TER, SEBRING, FL 33870-6828
Document Number0001901123
Book / Page2641 / 1812
Map ReferenceMB16 PG55
Instrument DateJun 15, 2018
Instrument1901123
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1325 23RD ST S # SC, 1325, FARGO, ND 58103-3723

Transferred To (Grantee/Buyer)

NameVerified Name
Address3028 CEDORA TER, SEBRING, FL 33870-6828

Mortgage

Document Number0001901124
DateJun 22, 2018
Instrument1901124
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2048

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
MunicipalitySebring City
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,309.00 (+51.14%)$242,517 (+47.46%) Land $12,500 Building $230,017$242,517 (-8.92%) Land $12,500 Building $230,017
2024$2,851.00 (+3.37%)
2023$2,758.00 (+5.55%) Homeowner's exemption$164,461 (+3%)$266,258 (+16.08%) Land $12,500 Building $253,758
2022$2,613.00 Homeowner's exemption$159,671$229,366 Land $12,500 Building $216,866

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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

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

May also be available: Verizon.

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