3402 Cormorant Point Dr, Sebring, FL 33872 Property Records

Highlands County property record for 3402 Cormorant Point Dr, Sebring, FL 33872

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,530 sqft · built 1982
Lot Size	0.196 acres (8,564 sqft)
Owner	Individual Name on File
Last Sale	$236,500 (Mar 2022)
Tax Bill	$2,728 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C34480300000015A`

Property Details

APN / Parcel Number

Primary APN	`C34480300000015A`
Alternative APN	`C-34-34-28-030-0000-015A`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	1,221 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,564 sqft (0.196 acres)
Lot Dimensions	152 ft deep x 54 ft wide
Garage Type	Finished
Garage Area	396 sqft
Driveway	Driveway
Driveway Area	540 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Porch Area	141 sqft
Patio Area	351 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C34480300000015A
Street Address	3402 CORMORANT POINT DR
City	SEBRING
State	FL
Zip	33872-1267
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3FUD
Legal Description	CORMORANT POINT SUB PB 13 PG 47 LOT 15A
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	CORMORANT POINT SUB
Legal Lot Number	15A
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4023
Census Tract	960602

Owner

3402 Cormorant Point Dr, a duplex, is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3402 CORMORANT POINT DR, SEBRING, FL 33872-1267
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
Mar 10, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on File
Deed Sale	Mar 10, 2022 · Amount on File
Prior Sale	May 21, 2015 · Amount on File
Deed Document Number	2082291
Deed Book / Page	2890 / 349
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 10, 2022
Property Address	3402 CORMORANT POINT DR, SEBRING, FL 33872-1267
Document Number	0002082291
Book / Page	2890 / 349
Map Reference	MB 13 PG 47
Instrument Date	Mar 9, 2022
Instrument	2082291
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,655.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3402 CORMORANT POINT DR, 3402, SEBRING, FL 33872-1267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 CORMORANT POINT DR, SEBRING, FL 33872-1267

Mortgage

Document Number	0002890350
Date	Mar 10, 2022
Instrument	2890/350

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3402 CORMORANT POINT DR, SEBRING, FL 33872-1267
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002028755
Date	Apr 13, 2021
Book Page	2815/914
Instrument	2028755

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 5, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$179,366 Land $22,500 Building $156,866	$179,366 Land $22,500 Building $156,866
2024	$2,728.00 (+7.02%)
2023	$2,549.00 (+282.16%)	$165,065 (+123.41%) Land $22,500 Building $142,565	$165,065 (+23.82%) Land $22,500 Building $142,565
2022	$667.00 Homeowner's exemption Senior Citizen's exemption	$73,884	$133,315 Land $22,500 Building $110,815

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3402 Cormorant Point Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 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

Wildfire risk around 3402 Cormorant Point Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

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