3209 Elaine Dr, Lorida, FL 33857 Property Records

Highlands County property record for 3209 Elaine Dr, Lorida, FL 33857

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,666 sqft · built 1988
Lot Size	2 acres (87,118 sqft)
Owner	Individual Name on File
Last Sale	$228,200 (Dec 2021)
Tax Bill	$356 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-09-35-31-010-0020-0060`

Property Details

APN / Parcel Number

Primary APN	`C-09-35-31-010-0020-0060`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,666 sqft Living Area
1st Floor Area	1,504 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,118 sqft (2 acres)
Lot Dimensions	306 ft deep x 142 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	384 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	64 sqft
Patio Area	182 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3209 ELAINE DR
City	LORIDA
State	FL
Zip	33857-9472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1S
Legal Description	BLUFF HAMMOCK ESTATES PB 11 PG 15 LOT 6 BLK 2
Legal Range	31E
Legal Township	35S
Legal Section	09
Legal Subdivision	BLUFF HAMMOCK ESTATES
Legal Block	2
Legal Lot Number	6
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1027
Census Tract	961000

Owner

3209 Elaine Dr is owned and occupied by an individual who bought it in December 2021.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3209 ELAINE DR, LORIDA, FL 33857-9472
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Dec 16, 2014 · Amount on File
Deed Document Number	2066570
Deed Book / Page	2868 / 1667
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 2, 2021
Property Address	3209 ELAINE DR, LORIDA, FL 33857-9472
Document Number	0002066570
Book / Page	2868 / 1667
Map Reference	MB 11 PG 15
Instrument Date	Nov 23, 2021
Instrument	2066570
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,597.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6434 NORTONVILLE RD, 6434, SAINT CHARLES, KY 42453-9729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 ELAINE DR, LORIDA, FL 33857-9472

Mortgage

Document Number	0028681669
Date	Dec 2, 2021
Instrument	2868/1669

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

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		$184,060	$227,395 Land $44,000 Building $183,395
2024	$356.00 (+7.88%)
2023	$330.00 (+4.1%) Disabled Person's exemption Veteran's exemption	$173,663 (+3%)	$194,567 (+15.4%) Land $32,000 Building $162,567
2022	$317.00 Disabled Person's exemption Veteran's exemption	$168,605 Land $32,000 Building $136,605	$168,605 Land $32,000 Building $136,605

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3209 Elaine Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 3209 Elaine Dr is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.5% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: Xfinity.

Nearby Properties on Elaine Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures