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3031 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3031 Cedora Ter, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 3,299 sqft · built 2004
Lot Size0.503 acres (21,892 sqft)
Owner2 Individual Names on Record
Last Sale$430,000 (Feb 2022)
Tax Bill$3,046 (2025)
Deeds & MortgagesOct 2026 Sale
Feb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNS-17-34-29-060-0000-0060

Property Details

APN / Parcel Number

Primary APNS-17-34-29-060-0000-0060

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area3,299 sqft Living Area
Gross Area4,008 sqft
1st Floor Area2,707 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area21,892 sqft (0.503 acres)
Lot Dimensions220 ft deep x 100 ft wide
View / LotWater
Garage TypeAttached
Garage Area709 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area674 sqft
Deck Area336 sqft
Patio Area336 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3031 CEDORA TER
CitySEBRING
StateFL
Zip33870-6829
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1A
Legal DescriptionSUNSET POINTE ON DINNER LAKE PB 16-PG 55 LOT 6
Legal Range29E
Legal Township34S
Legal Section17
Legal SubdivisionSUNSET POINTE ON
Legal Lot Number6
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group2
Census Block2003
Census Tract960900

Owner

Source: Highlands County records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3031 CEDORA TER, SEBRING, FL 33870-6829
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Feb 7, 2022Warranty Deed, Transfer · Conventional Mortgage
HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 7, 2022 · Amount on Record
Deed SaleFeb 7, 2022 · Amount on Record
Prior SaleJun 8, 2004 · Amount on Record
Deed Document Number20222076984
Deed Book / Page2882 / 1929
Last Transfer DateSep 28, 2026
Transfer Doc0002333403
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateOct 5, 2026
Property Address3031 CEDORA TER, SEBRING, FL 33870-6829
Document Number0002333403
Book / Page3221 / 1739
Instrument DateSep 28, 2026
Instrument20262333403
Transaction TypeTransfer
Record UpdatedOct 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address3031 CEDORA TER, SEBRING, FL 33870-6829

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 7, 2022
Property Address3031 CEDORA TER, SEBRING, FL 33870-6829
Document Number0002076984
Book / Page2882 / 1929
Map ReferenceMB 16 PG 55
Instrument DateFeb 2, 2022
Instrument2076984
Transaction TypeTransfer
Record UpdatedMar 3, 2022
Title CompanySOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3440 LAKEVIEW DR, 3440, SEBRING, FL 33870-7911

Transferred To (Grantee/Buyer)

NameVerified Name
Address3031 CEDORA TER, SEBRING, FL 33870-6829

Mortgage

Document Number0028821930
DateFeb 7, 2022
Instrument2882/1930
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

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$3,046.00 (+4.53%)$177,673 (+5.99%)$495,596 (+20.05%) Land $97,900 Building $397,696
2024$2,914.00 (+3.3%)
2023$2,821.00 (-62.06%) Homeowner's exemption$167,637 (-53.63%)$412,836 (+14.18%) Land $40,050 Building $372,786
2022$7,435.00$361,555 Land $40,050 Building $321,505$361,555 Land $40,050 Building $321,505

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 100 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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