3039 Cedora Ter, Sebring, FL 33870 Property Records

Highlands County property record for 3039 Cedora Ter, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,002 sqft · built 2017
Lot Size	0.464 acres (20,221 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,486 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-34-29-060-0000-0020`

Property Details

APN / Parcel Number

Primary APN	`S-17-34-29-060-0000-0020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	3,002 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	20,221 sqft (0.464 acres)
Garage Type	Finished
Garage Area	602 sqft
Driveway	Driveway
Driveway Area	1,698 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	49 sqft
Porch	Open Porch
Porch Area	697 sqft
Deck Area	777 sqft
Patio Area	1,402 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3039 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 LA PB 16-PG 55 LOT 2
Legal Range	29E
Legal Township	34S
Legal Section	17
Legal Subdivision	SUNSET POINTE ON
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	PO BOX 1239, SEBRING, FL 33871-1239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Warranty Deed, Transfer · Conventional Mortgage BAY TO BAY LENDING LLC
Jul 31, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Dec 11, 2017	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Feb 27, 2017	Loan Modification, Mortgage HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2024
Deed Sale	Jul 30, 2024
Prior Sale	Apr 12, 2021 · Amount on Record
Deed Document Number	0030591649
Deed Book / Page	3054 / 927
Prior Transfer Date	Jul 9, 2024
Prior Transfer Doc	2211551
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 12, 2021
Property Address	3039 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0002028725
Book / Page	2815 / 812
Map Reference	MB 16 PG 55
Instrument Date	Apr 9, 2021
Instrument	2028725
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3039 CEDORA TER, 3039, SEBRING, FL 33870-6829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3039 CEDORA TER, SEBRING, FL 33870-6829

Mortgage

Document Number	0002815814
Date	Apr 12, 2021
Instrument	2815/814

Lender

Name	BAY TO BAY LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3039 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0001994711
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3039 CEDORA TER SEBRING FL 338706829, SEBRING, FL 33870-6829

Mortgage

Document Number	0001994711
Date	Aug 12, 2020
Book Page	002767/000584
Instrument	1994711

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3039 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0001877968
Book / Page	002613 / 000856
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3039 CEDORA TER SEBRING FL 338706829, SEBRING, FL 33870-6829

Mortgage

Document Number	0001877968
Date	Dec 27, 2017
Book Page	002613/000856
Instrument	1877968

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	3039 CEDORA TER, SEBRING, FL 33870-6829
Document Number	0001844199
Book / Page	002568 / 001032
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3039 CEDORA TER SEBRING FL 338706829, SEBRING, FL 33870-6829

Mortgage

Document Number	0001844199
Date	Mar 1, 2017
Book Page	002568/001032
Instrument	1844199

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

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		$282,526 (-50.2%)	$591,307 (+4.23%) Land $40,000 Building $551,307
2024	$11,486.00 (+1.21%)
2023	$11,349.00 (+11.82%)	$567,310 (+13.61%) Land $40,000 Building $527,310	$567,310 (+13.61%) Land $40,000 Building $527,310
2022	$10,149.00	$499,350 Land $40,000 Building $459,350	$499,350 Land $40,000 Building $459,350

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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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