3108 Divot Rd, Sebring, FL 33872 Property Records

Highlands County property record for 3108 Divot Rd, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,248 sqft · built 1987
Lot Size	0.453 acres (19,747 sqft)
Owner	Individual Name on File
Last Sale	$367,900 (Jun 2022)
Tax Bill	$3,490 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C344802200001080`

Property Details

APN / Parcel Number

Primary APN	`C344802200001080`
Alternative APN	`C-34-34-28-022-0000-1080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,248 sqft Living Area
1st Floor Area	1,718 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,747 sqft (0.453 acres)
Lot Dimensions	200 ft deep x 99 ft wide
Garage Type	Finished
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1,275 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	392 sqft
Porch	Enclosed Porch
Porch Area	326 sqft
Patio Area	356 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C344802200001080
Street Address	3108 DIVOT RD
City	SEBRING
State	FL
Zip	33872-3892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GOLF HAMMOCK UNIT 3 PB 14 PG 10 LOT 108
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	GOLF HAMMOCK UNIT 3
Legal Lot Number	108
Legal Unit	3
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4035
Census Tract	960602

Owner

Source: Highlands County records · APN C344802200001080

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	3108 DIVOT RD, SEBRING, FL 33872-3892
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 02, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Nov 02, 2020 · Amount on Record
Deed Document Number	2102683
Deed Book / Page	2915 / 1425
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 29, 2022
Property Address	3108 DIVOT RD, SEBRING, FL 33872-3892
Document Number	0002102683
Book / Page	2915 / 1425
Map Reference	MB 14 PG 10
Instrument Date	Jun 28, 2022
Instrument	2102683
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,575.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 198, PAHOKEE, FL 33476-0198

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 DIVOT RD, SEBRING, FL 33872-3892

Mortgage

Document Number	0029151427
Date	Jun 29, 2022
Instrument	2915/1427

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3108 DIVOT RD, SEBRING, FL 33872-3892
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002057546
Date	Oct 06, 2021
Book Page	2856/783
Instrument	2057546

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 02, 2020
Property Address	3108 DIVOT RD, SEBRING, FL 33872-3892
Document Number	0002004924
Book / Page	002781 / 001290
Instrument Date	Oct 30, 2020
Instrument	2004924
Transaction Type	Transfer
Record Updated	Nov 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,701.00
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	3108 DIVOT RD SEBRING FL 338723892, SEBRING, FL 33872-3892

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$256,938 (-1.51%) Land $28,500 Building $228,438	$256,938 (-1.51%) Land $28,500 Building $228,438
2024	$3,490.00 (-10.12%)
2023	$3,883.00 (+181.79%)	$260,885 (+128.31%) Land $27,000 Building $233,885	$260,885 (+14.79%) Land $27,000 Building $233,885
2022	$1,378.00 Homeowner's exemption	$114,266	$227,281 Land $27,000 Building $200,281

Flood & Wildfire

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

Flood

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

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 168 locations within half a mile of this property.

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