3405 Cormorant Point Dr, Sebring, FL 33872 Property Records

Highlands County property record for 3405 Cormorant Point Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,103 sqft · built 1991
Lot Size	0.148 acres (6,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (May 2026)
Tax Bill	$2,403 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C34480400000033B`

Property Details

APN / Parcel Number

Primary APN	`C34480400000033B`
Alternative APN	`C-34-34-28-040-0000-033B`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,103 sqft Living Area
Gross Area	1,661 sqft
1st Floor Area	1,103 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,451 sqft (0.148 acres)
Lot Dimensions	118 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	418 sqft
Driveway	Concrete Driveway
Driveway Area	390 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	3405 CORMORANT POINT DR
City	SEBRING
State	FL
Zip	33872-3882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3FUD
Legal Description	CORMORANT POINT SUB II PB 13-PG 57 LOT 33B
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	CORMORANT POINT SUB 2
Legal Lot Number	33B
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4039
Census Tract	960602

Owner

Source: Highlands County records, as of May 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3405 CORMORANT POINT DR, SEBRING, FL 33872-3882
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Aug 23, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Jul 8, 2013 · Amount on Record
Deed Document Number	20262311220
Deed Book / Page	3190 / 355
Prior Transfer Date	Aug 9, 2021
Prior Transfer Doc	0002050211
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 1, 2026
Property Address	3405 CORMORANT POINT DR, SEBRING, FL 33872-3882
Document Number	0002311220
Book / Page	3190 / 355
Instrument Date	Apr 28, 2026
Instrument	2026.2311220
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	CSTONE TITLE, CAPSTONE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3405 CORMORANT POINT DR, SEBRING, FL 33872-3882
Investor	Possibly a Property Investor

Mortgage

Document Number	0002311222,
Date	May 1, 2026
Instrument	2026.2311222

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 23, 2021
Property Address	3405 CORMORANT POINT DR, SEBRING, FL 33872-3882
Document Number	0002050211
Book / Page	2846 / 172
Map Reference	MB 13 PG 157
Instrument Date	Aug 9, 2021
Instrument	2050211
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	HIGH PINE DR, DAVISBURG, MI 48350

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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		$164,475 (+0.68%) Land $13,500 Building $150,975	$164,475 (+0.68%) Land $13,500 Building $150,975
2024	$2,403.00 (+7.76%)
2023	$2,230.00 (+11.5%)	$163,369 (+23.74%) Land $13,500 Building $149,869	$163,369 (+23.74%) Land $13,500 Building $149,869
2022	$2,000.00	$132,028 Land $13,500 Building $118,528	$132,028 Land $13,500 Building $118,528

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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