3102 Sugar Pine Cir, Sebring, FL 33872 Property Records

Highlands County property record for 3102 Sugar Pine Cir, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,878 sqft · built 1994
Lot Size	0.197 acres (8,622 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (May 2019)
Tax Bill	$1,661 (2024)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C34480410000071B`

Property Details

APN / Parcel Number

Primary APN	`C34480410000071B`
Alternative APN	`C-34-34-28-041-0000-071B`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,878 sqft Living Area
1st Floor Area	1,592 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,622 sqft (0.197 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Garage Type	Finished
Garage Area	460 sqft
Driveway	Driveway
Driveway Area	960 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C34480410000071B
Street Address	3102 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 71B
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	CORMORANT POINT SUB 2 RPLT 1
Legal Lot Number	71B
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	3102 SUGAR PINE CIR, SEBRING, FL 33872-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
May 31, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Feb 12, 2004 · Amount on Record
Deed Document Number	1942539
Deed Book / Page	2695 / 0740
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3102 SUGAR PINE CIR, SEBRING, FL 33872-4439
Document Number	0001990374
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	BOSTON NATIONAL TITLE, BOSTON NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 SUGAR PINE CIR SEBRING FL 338724439, SEBRING, FL 33872-4439

Mortgage

Document Number	0001990374
Date	Jul 1, 2020
Book Page	002760/001100
Instrument	1990374

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 31, 2019
Property Address	3102 SUGAR PINE CIR, SEBRING, FL 33872-4439
Document Number	0001942539
Book / Page	002695 / 000740
Instrument Date	May 14, 2019
Instrument	1942539
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3102 SUGAR PINE CIR SEBRING FL 338724439, SEBRING, FL 33872-4439

Mortgage

Document Number	1942540
Date	May 31, 2019
Book Page	002695/000742
Instrument	1942540

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	May 30, 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		$142,422 (+5.99%)	$207,418 (+0.34%) Land $13,500 Building $193,918
2024	$1,661.00 (+2.98%)
2023	$1,613.00 (+2.09%) Homeowner's exemption	$134,377 (+3%)	$206,715 (+24.13%) Land $13,500 Building $193,215
2022	$1,580.00 Homeowner's exemption	$130,463	$166,530 Land $13,500 Building $153,030

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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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