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3345 White Oak Rd, Lorida, FL 33857 Property Records

Highlands County property record for 3345 White Oak Rd, Lorida, FL 33857

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,940 sqft · built 1970
Lot Size2.09 acres (91,408 sqft)
Owner2 Trust Names on File
Last Sale$560,000 (Feb 2021)
Tax Bill$8,585 (2024)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC-33-35-31-A00-00L0-0010

Property Details

APN / Parcel Number

Primary APNC-33-35-31-A00-00L0-0010

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories2 Stories
Building Area2,940 sqft Living Area
1st Floor Area336 sqft
Upper Floors Area692 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1982
Exterior MaterialWood
Construction TypeSteel Frame
Roof TypeGable/Hip
Roof MaterialSlate
Lot Area91,408 sqft (2.09 acres)
Lot Dimensions175 ft deep x 75 ft wide
Garage TypeFinished
Garage Area648 sqft
DrivewayDriveway
Driveway Area594 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area64 sqft
PorchFinished/Screened Porch
Porch Area834 sqft
Deck Area136 sqft
Patio Area496 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address3345 WHITE OAK RD
CityLORIDA
StateFL
Zip33857
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAU
Legal DescriptionA TRACT OF LAND CALLED LOT 1 IN PARCEL L + FULLY DESC IN OR 304 PG 311
Legal Range31E
Legal Township35S
Legal Section33
Legal SubdivisionGOV SEC 33
Legal Lot Number1 2
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group2
Census Block2022
Census Tract961000

Owner

3345 White Oak Rd is held in a trust since December 2024.

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

Owner of Record2 Trust Names on File
Co-ownerCo-owner on File
Mailing Address642 SHORE RD, N PALM BEACH, FL 33408-3728
Owner TypeCompany, Secondary Individual
VestingTrust

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 Names3 Names on Deed
Last SaleFeb 22, 2021 · Amount on File
Deed SaleFeb 22, 2021 · Amount on File
Prior SaleFeb 22, 2021 · Amount on File
Deed Document Number0002020308
Deed Book / Page2803 / 1612
Last Transfer DateDec 19, 2024
Transfer Doc0002236280
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 22, 2021
Property Address3345 WHITE OAK RD, LORIDA, FL 33857
Document Number0002020308
Book / Page2803 / 1612
Instrument DateFeb 12, 2021
Instrument2020308
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,920.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1225 AVENUE W # LL, 1225, BELLE GLADE, FL 33430-3702

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 SHORE RD, NORTH PALM BEACH, FL 33408-3728

Mortgage

Document Number0028031615
DateFeb 22, 2021
Instrument2803/1615
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$680,146 Land $205,500 Building $474,646$680,146 Land $205,500 Building $474,646
2024$8,585.00 (+11.29%)
2023$7,714.00 (+16.83%)$594,803 (+33.45%) Land $119,500 Building $475,303$594,803 (+33.45%) Land $119,500 Building $475,303
2022$6,603.00$445,711 Land $119,500 Building $326,211$445,711 Land $119,500 Building $326,211

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

Flood

FEMA maps place 3345 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation40.9 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 90 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies90 in force
Nearby Flood Claims20 (2002–2023)
Claims Outside the SFHA3 of 20
Most Recent ClaimSep 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 3345 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 RiskHigh
above 79% of the US · above 68% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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

ProviderMax 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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