Highlands County property record for 309 Ridge Ct, Sebring, FL 33876
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,467 sqft · built 1993 |
| Lot Size | 0.513 acres (22,355 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Nov 2019) |
| Tax Bill | $3,493 (2024) |
| Deeds & Mortgages | Apr 2021 Line of Credit Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | C-15-35-30-071-00C0-0060 |
| Primary APN | C-15-35-30-071-00C0-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,467 sqft Living Area |
| 1st Floor Area | 2,020 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 22,355 sqft (0.513 acres) |
| Garage Type | Finished |
| Garage Area | 557 sqft |
| Driveway | Driveway |
| Driveway Area | 800 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 392 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 281 sqft |
| Patio Area | 592 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 309 RIDGE CT |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-6264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FAIRWAY LAKES PB 12 PG 43 LOTS 6 + 7 BLK C |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | FAIRWAY LAKES |
| Legal Block | C |
| Legal Lot Number | 6-7 7 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 961000 |
Source: Highlands County records · APN C-15-35-30-071-00C0-0060
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK |
| Nov 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK |
| Mar 01, 2018 | Warranty Deed, Transfer · FHA Mortgage SIRVA MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2019 · Amount on Record |
| Deed Sale | Nov 14, 2019 · Amount on Record |
| Prior Sale | Mar 01, 2018 · Amount on Record |
| Deed Document Number | 1963808 |
| Deed Book / Page | 2723 / 0552 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002031564 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 2819/992 |
| Instrument | 2031564 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 21, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Nov 14, 2019 |
| Property Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Document Number | 0001963808 |
| Book / Page | 2723 / 0552 |
| Map Reference | MB 12 PG 43 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 1963808 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2600 S KANNER HWY, 2600, STUART, FL 34994-4640 |
| Name | Verified Name |
|---|---|
| Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Document Number | 0002723554 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | 2723/554 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 01, 2018 |
| Property Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Document Number | 0001886596 |
| Book / Page | 2623 / 1433 |
| Map Reference | MB12 PG43 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 1886596 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1004 VILLAWAY W, 1004, SEBRING, FL 33876-7915 |
| Name | Verified Name |
|---|---|
| Address | 309 RIDGE CT, SEBRING, FL 33876-6264 |
| Document Number | 0001886597 |
|---|---|
| Date | Mar 01, 2018 |
| Instrument | 1886597 |
| Name | SIRVA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $231,346 (+6.88%) | $344,440 (+11.51%) Land $50,000 Building $294,440 | |
| 2024 | $3,493.00 (+4.33%) | ||
| 2023 | $3,348.00 (+1.61%) Homeowner's exemption | $216,453 (+3%) | $308,879 (+8.48%) Land $45,000 Building $263,879 |
| 2022 | $3,295.00 Homeowner's exemption | $210,149 | $284,723 Land $30,000 Building $254,723 |
Source: FEMA National Flood Hazard Layer as of November 17, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 4 (2017–2022) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 84 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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