317 Oxbow Dr, Sebring, FL 33876 Property Records

Highlands County property record for 317 Oxbow Dr, Sebring, FL 33876

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,099 sqft · built 2006
Lot Size	0.332 acres (14,489 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Oct 2023)
Tax Bill	$3,170 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-15-35-30-060-00W0-0060`

Property Details

APN / Parcel Number

Primary APN	`C-15-35-30-060-00W0-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,099 sqft Living Area
1st Floor Area	1,602 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,489 sqft (0.332 acres)
Lot Dimensions	125 ft deep x 117 ft wide
Garage Type	Finished
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	1,170 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	344 sqft
Patio Area	56 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	317 OXBOW DR
City	SEBRING
State	FL
Zip	33876-7405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPRING LAKE VILLAGE VI PB 10 PG 21 LOT 6 BLK W
Legal Range	30E
Legal Township	35S
Legal Section	15
Legal Subdivision	SPRING LAKE VILL 06
Legal Block	W
Legal Lot Number	6
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4070
Census Tract	961000

Owner

Source: Highlands County assessment roll, as of July 1, 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	317 OXBOW DR, SEBRING, FL 33876-7405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 2, 2023	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 2, 2023 · Amount on Record
Deed Sale	Oct 2, 2023 · Amount on Record
Prior Sale	Jun 12, 2015 · Amount on Record
Deed Document Number	2171842
Deed Book / Page	3001 / 1834
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	317 OXBOW DR, SEBRING, FL 33876-7405
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 OXBOW DR, SEBRING, FL 33876-7405

Mortgage

Document Number	0002281040
Date	Sep 29, 2025
Book Page	3147/1364
Instrument	2281040

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 2, 2023
Property Address	317 OXBOW DR, SEBRING, FL 33876-7405
Document Number	0002171842
Book / Page	3001 / 1834
Map Reference	MB 10 PG 21
Instrument Date	Sep 29, 2023
Instrument	2171842
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6045 CANNON AVE, COCOA, FL 32927-9026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 OXBOW DR, SEBRING, FL 33876-7405

Mortgage

Document Number	0030011836
Date	Oct 2, 2023
Instrument	3001/1836

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

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		$232,941 (+126.28%)	$260,797 (+1.36%) Land $15,000 Building $245,797
2024	$3,170.00
2023	Homeowner's exemption	$102,943 (+3%)	$257,288 (+13.69%) Land $15,000 Building $242,288
2022	$1,462.00 Homeowner's exemption	$99,945	$226,315 Land $11,000 Building $215,315

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.

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
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	Hurricane Irma, Sep 2017 · 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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Conexon Connect.

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