3225 White Oak Rd, Lorida, FL 33857 Property Records

Highlands County property record for 3225 White Oak Rd, Lorida, FL 33857

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,814 sqft · built 1984
Lot Size	0.904 acres (39,404 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jan 2021)
Tax Bill	$2,789 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2017 Transfer
Flood Zone	Zone AE (high risk)
APN	`C-33-35-31-A00-00K0-0000`

Property Details

APN / Parcel Number

Primary APN	`C-33-35-31-A00-00K0-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,814 sqft Living Area
1st Floor Area	1,040 sqft
2nd Floor Area	780 sqft
Upper Floors Area	780 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1992
Exterior Material	Aluminum Siding
Construction Type	Wood Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,404 sqft (0.904 acres)
Lot Dimensions	129 ft deep x 110 ft wide
Garage Type	Mixed
Garage Area	920 sqft
Carport	Carport
Carport Area	760 sqft
Driveway	Driveway
Driveway Area	468 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	560 sqft
Deck Area	160 sqft
Patio Area	760 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3225 WHITE OAK RD
City	LORIDA
State	FL
Zip	33857-9410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NLY 149.7 FT M/L OF PARCEL K + WLY 120 FT M/L OF LOT L-12 LOC IN GOV LOT 12 33-35-31/K .89 ACRES
Legal Range	31E
Legal Township	35S
Legal Section	33
Legal Subdivision	GOV SEC 33
Legal Lot Number	L
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2022
Census Tract	961000

Owner

3225 White Oak Rd is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3225 WHITE OAK RD, LORIDA, FL 33857-9410
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

Date	Document
Jan 4, 2021	Warranty Deed, Transfer · FHA Mortgage TRUIST BANK
May 25, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Prior Sale	May 25, 2017
Deed Document Number	2013309
Deed Book / Page	2794 / 22
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 4, 2021
Property Address	3225 WHITE OAK RD, LORIDA, FL 33857-9410
Document Number	0002013309
Book / Page	2794 / 22
Instrument Date	Dec 28, 2020
Instrument	2013309
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	716 SUNBIRD TER, 716, SEBRING, FL 33872-3490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 WHITE OAK RD, LORIDA, FL 33857-9410

Mortgage

Document Number	0000279424
Date	Jan 4, 2021
Instrument	2794/24

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 25, 2017
Property Address	3225 WHITE OAK RD, LORIDA, FL 33857-9410
Document Number	0001854290
Book / Page	002582 / 001169
Instrument Date	May 12, 2017
Instrument	1854290
Transaction Type	Transfer
Record Updated	Apr 4, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3225 WHITE OAK RD LORIDA FL 338579410, LORIDA, FL 33857-9410

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		$245,095	$424,982 Land $100,000 Building $324,982
2024	$2,789.00 (+2.61%)
2023	$2,718.00 (-0.62%) Homeowner's exemption Disabled Person's exemption	$213,991 (+3%)	$312,807 (+32.05%) Land $31,500 Building $281,307
2022	$2,735.00 Homeowner's exemption Disabled Person's exemption	$207,758	$236,885 Land $31,500 Building $205,385

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

Flood

FEMA maps place 3225 White Oak Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3225 White Oak Rd is high, ranking above 79% of the US, with a 0.6% annual chance of 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)

Nearby Properties on White Oak Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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