3408 Bristol St, Sebring, FL 33872 Property Records

Highlands County property record for 3408 Bristol St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 2004
Lot Size	0.229 acres (9,998 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2018)
Tax Bill	$1,573 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-22-34-28-020-0350-0160`

Property Details

APN / Parcel Number

Primary APN	`C-22-34-28-020-0350-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,545 sqft Living Area
1st Floor Area	1,344 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,998 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	319 sqft
Driveway	Driveway
Driveway Area	360 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	235 sqft
Patio Area	912 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3408 BRISTOL ST
City	SEBRING
State	FL
Zip	33872-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING COUNTRY EST SEC 2 PB 7-PG 34 LOT 16 BLK 35
Legal Range	28E
Legal Township	34S
Legal Section	22
Legal Subdivision	SEBRING COUNTRY EST
Legal Block	35
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1030
Census Tract	960601

Owner

3408 Bristol St is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3408 BRISTOL ST, SEBRING, FL 33872-3209
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
Oct 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 5, 2018	Warranty Deed, Transfer STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2018 · Amount on File
Deed Sale	Apr 5, 2018 · Amount on File
Prior Sale	Dec 28, 2004 · Amount on File
Deed Document Number	1891230
Deed Book / Page	2629 / 0565
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3408 BRISTOL ST, SEBRING, FL 33872-3209
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 BRISTOL ST, SEBRING, FL 33872-3209

Mortgage

Document Number	0002060153
Date	Oct 21, 2021
Book Page	2859/1863
Instrument	2060153

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 5, 2018
Property Address	3408 BRISTOL ST, SEBRING, FL 33872-3209
Document Number	0001891230
Book / Page	002629 / 000565
Instrument Date	Mar 30, 2018
Instrument	1891230
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3408 BRISTOL ST SEBRING FL, SEBRING, FL

Mortgage

Document Number	1891231
Date	Apr 5, 2018
Book Page	002629/000567
Instrument	1891231

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2048

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		$136,158	$204,993 Land $20,000 Building $184,993
2024	$1,573.00 (+2.81%)
2023	$1,530.00 (+2.07%) Homeowner's exemption	$128,467 (+3%)	$198,328 (+16.85%) Land $11,200 Building $187,128
2022	$1,499.00 Homeowner's exemption	$124,725	$169,726 Land $10,000 Building $159,726

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

Flood

FEMA maps place 3408 Bristol St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1998–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 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 3408 Bristol St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW HARMONY M H P private · serves 26 people · EPA ID FL6532235
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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