3038 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3038 Cedora Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,359 sqft · built 2006
Lot Size	0.288 acres (12,570 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Nov 2025)
Tax Bill	$2,582 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-17-34-29-060-0000-0400`

Property Details

APN / Parcel Number

Primary APN	`S-17-34-29-060-0000-0400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,359 sqft Living Area
1st Floor Area	2,399 sqft
Upper Floors Area	700 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	12,570 sqft (0.288 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	178 sqft
Deck Area	156 sqft
Patio Area	156 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3038 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 40
Legal Range	29E
Legal Township	34S
Legal Section	17
Legal Subdivision	SUNSET POINTE ON
Legal Lot Number	40
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2003
Census Tract	960900

Owner

3038 Cedora Ter is owned and occupied by an individual who bought it in November 2025.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	112 SPRINGDALE RD, SEBRING, FL 33870-1462
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	Oct 23, 2012 · Amount on File
Deed Document Number	2287880
Deed Book / Page	3157 / 323
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 17, 2025
Property Address	3038 CEDORA TER, SEBRING, FL 33870-6828
Document Number	0002287880
Book / Page	3157 / 323
Map Reference	MB 16 PG 55
Instrument Date	Oct 10, 2025
Instrument	2287880
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3726 MEADOW VISTA LN, TALLAHASSEE, FL 32308-6045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SPRINGDALE RD, SEBRING, FL 33870-1462

Mortgage

Document Number	0003157325
Date	Nov 17, 2025
Instrument	3157/325

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

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		$160,075	$306,565 Land $12,500 Building $294,065
2024	$2,582.00 (+3.61%)
2023	$2,492.00 (+5.73%) Homeowner's exemption	$151,033 (+3%)	$337,099 (+16.31%) Land $12,500 Building $324,599
2022	$2,357.00 Homeowner's exemption	$146,634	$289,840 Land $12,500 Building $277,340

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

FEMA maps place 3038 Cedora Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3038 Cedora Ter is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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