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3401 Divot Rd, Sebring, FL 33872 Property Records

Highlands County property record for 3401 Divot Rd, Sebring, FL 33872

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,672 sqft · built 1986
Lot Size0.457 acres (19,891 sqft)
Owner2 Individual Names on Record
Last Sale$180,000 (Nov 2020)
Tax Bill$1,902 (2025)
Deeds & MortgagesMar 2022 Line of Credit
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APNC344802200001140

Property Details

APN / Parcel Number

Primary APNC344802200001140
Alternative APN
  • C-34-34-28-022-0000-1140

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,672 sqft Living Area
Gross Area2,192 sqft
1st Floor Area1,444 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area19,891 sqft (0.457 acres)
Lot Dimensions195 ft deep x 100 ft wide
Garage TypeAttached
Garage Area520 sqft
DrivewayConcrete Driveway
Driveway Area880 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area276 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3401 DIVOT RD
CitySEBRING
StateFL
Zip33872-3891
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionGOLF HAMMOCK UNIT 3 PB 14 PG 10 LOT 114
Legal Range28E
Legal Township34S
Legal Section34
Legal SubdivisionGOLF HAMMOCK UNIT 3
Legal Lot Number114
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group4
Census Block4033
Census Tract960602

Owner

Source: Highlands County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3401 DIVOT RD, SEBRING, FL 33872-3891
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2022Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Sep 7, 2018Warranty Deed, Transfer
HEARTLAND TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 20, 2020 · Amount on Record
Deed SaleNov 20, 2020 · Amount on Record
Prior SaleSep 7, 2018 · Amount on Record
Deed Document Number20207758
Deed Book / Page2785 / 1341
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3401 DIVOT RD, SEBRING, FL 33872-3891
Transaction TypeMortgage
Record UpdatedMar 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3401 DIVOT RD, SEBRING, FL 33872-3891

Mortgage

Document Number0002081189
DateMar 4, 2022
Book Page2888/1176
Instrument2081189
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueMar 8, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateSep 7, 2018
Property Address3401 DIVOT RD, SEBRING, FL 33872-3891
Document Number0001910709
Book / Page002654 / 001702
Instrument DateAug 29, 2018
Instrument1910709
Transaction TypeTransfer
Record UpdatedSep 19, 2018
Title CompanyHEARTLAND TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$1,057.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3702 BARBAROSSA AVE SEBRING FL 338722307, SEBRING, FL 33872-2307

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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$1,902.00 (+3.2%) Homeowner's exemption$155,895 (+5.99%)$199,627 (-0.75%) Land $28,500 Building $171,127
2024$1,843.00 (+2.73%)
2023$1,794.00 (+1.93%) Homeowner's exemption$147,088 (+3%)$201,130 (+14.84%) Land $27,000 Building $174,130
2022$1,760.00 Homeowner's exemption$142,804$175,140 Land $27,000 Building $148,140

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies44 in force
Nearby Flood Claims8 (2017–2022)
Claims Outside the SFHA8 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
beyond ember reach

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 168 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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