3217 White Oak Rd, Lorida, FL 33857 Property Records

Highlands County property record for 3217 White Oak Rd, Lorida, FL 33857

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 3,976 sqft · built 1969
Lot Size	3.17 acres (138,085 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Dec 2019)
Tax Bill	$5,266 (2024)
Deeds & Mortgages	May 2020 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C-33-35-31-A00-00J0-0000`

Property Details

APN / Parcel Number

Primary APN	`C-33-35-31-A00-00J0-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	3,976 sqft Living Area
1st Floor Area	3,309 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1972
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	138,085 sqft (3.17 acres)
Lot Dimensions	200 ft deep x 166 ft wide
Garage Type	Finished
Garage Area	605 sqft
Driveway	Driveway
Driveway Area	3,840 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	594 sqft
Patio Area	1,080 sqft
Shed	1 Shed
Shed Area	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3217 WHITE OAK RD
City	LORIDA
State	FL
Zip	33857-9410
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AU
Legal Description	PARCELS J + K-LESS SOLD PO 33-35-31/J 4.41
Legal Range	31E
Legal Township	35S
Legal Section	33
Legal Subdivision	GOV SEC 33
Legal Lot Number	12 13
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2022
Census Tract	961000

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3217 WHITE OAK RD, LORIDA, FL 33857-9410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage HEARTLAND NAT'L BK
Dec 30, 2019	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Prior Sale	Apr 29, 2011
Deed Document Number	1969201
Deed Book / Page	2730 / 1145
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3217 WHITE OAK RD, LORIDA, FL 33857-9410
Document Number	0001986209
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3217 WHITE OAK RD LORIDA FL 338579410, LORIDA, FL 33857-9410

Mortgage

Document Number	0001986209
Date	May 20, 2020
Book Page	002754/000042
Instrument	1986209

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 19, 2035

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 30, 2019
Property Address	3217 WHITE OAK RD, LORIDA, FL 33857-9410
Document Number	0001969201
Book / Page	2730 / 1145
Instrument Date	Dec 27, 2019
Instrument	1969201
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 WHITE OAK RD, 3217, LORIDA, FL 33857-9410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 WHITE OAK RD, LORIDA, FL 33857-9410

Mortgage

Document Number	0027301149
Date	Dec 30, 2019
Instrument	2730/1149

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	64 Months
Due	Apr 1, 2025

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		$410,602 (+5.95%) Land $148,250 Building $262,352	$574,736 (+5.64%)
2024	$5,266.00 (+1.64%)
2023	$5,181.00 (+1.07%) Homeowner's exemption	$387,550 (+3%)	$544,036 (+37.37%)
2022	$5,126.00 Homeowner's exemption	$376,245	$396,026

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	40.9 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 90 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	20 (2002–2023)
Claims Outside the SFHA	3 of 20
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Frances, Sep 2004 · 6 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	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.6% 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 17 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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