3100 Sugar Pine Cir, Sebring, FL 33872 Property Records

Highlands County property record for 3100 Sugar Pine Cir, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,541 sqft · built 1990
Lot Size	0.262 acres (11,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Feb 2019)
Tax Bill	$1,681 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C34480410000071A`

Property Details

APN / Parcel Number

Primary APN	`C34480410000071A`
Alternative APN	`C-34-34-28-041-0000-071A`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,541 sqft Living Area
1st Floor Area	986 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,454 sqft (0.262 acres)
Garage Type	Finished
Garage Area	444 sqft
Driveway	Driveway
Driveway Area	765 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C34480410000071A
Street Address	3100 SUGAR PINE CIR
City	SEBRING
State	FL
Zip	33872-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3FUD
Legal Description	CORMORANT POINT II REPLAT OF CERTAIN LOTS PB 15 PG 4 LOT 71A
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	CORMORANT POINT SUB 2 RPLT 1
Legal Lot Number	71A
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4023
Census Tract	960602

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	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL FIRST LENDING LLC
Nov 3, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Feb 11, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jul 14, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Feb 20, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on Record
Deed Sale	Feb 20, 2019 · Amount on Record
Prior Sale	Dec 31, 2003 · Amount on Record
Deed Document Number	1929458
Deed Book / Page	2678 / 1277
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439

Mortgage

Document Number	0002296627
Date	Jan 29, 2026
Book Page	3169/1689
Instrument	2296627

Lender

Name	FEDERAL FIRST LENDING LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439

Mortgage

Document Number	0002122413
Date	Nov 3, 2022
Book Page	2939/1627
Instrument	2122413

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439

Mortgage

Document Number	0002077653
Date	Feb 11, 2022
Book Page	2883/1635
Instrument	2077653

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001991566
Date	Jul 14, 2020
Book Page	2762/828
Instrument	1991566

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 20, 2019
Property Address	3100 SUGAR PINE CIR, SEBRING, FL 33872-4439
Document Number	0001929458
Book / Page	002678 / 001277
Instrument Date	Feb 19, 2019
Instrument	1929458
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3100 SUGAR PINE CIR SEBRING FL 338724439, SEBRING, FL 33872-4439

Mortgage

Document Number	1929459
Date	Feb 20, 2019
Book Page	002678/001279
Instrument	1929459

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2049

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$150,540 (+20.87%)	$208,169 (+8.42%) Land $14,000 Building $194,169
2024	$1,681.00 (+20.24%)
2023	$1,398.00 (+2.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$124,545 (+3%)	$192,007 (+24.55%) Land $14,000 Building $178,007
2022	$1,364.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$120,917	$154,158 Land $14,000 Building $140,158

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims

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 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% 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 204 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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