3440 Cindys Ln, Sebring, FL 33870 Property Records

Highlands County property record for 3440 Cindys Ln, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 3,457 sqft · built 1977
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Tax Bill	$1,539 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`C164901000000060`

Property Details

APN / Parcel Number

Primary APN	`C164901000000060`
Alternative APN	`C-16-34-29-010-0000-0060`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	3,457 sqft Living Area
1st Floor Area	1,560 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1993
Exterior Material	Aluminum Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	108,900 sqft (2.5 acres)
Driveway	Driveway
Driveway Area	2,145 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	716 sqft
Deck Area	692 sqft
Patio Area	692 sqft
Shed	1 Shed
Shed Area	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C164901000000060
Street Address	3440 CINDYS LN
City	SEBRING
State	FL
Zip	33870-6824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	CINDYS GROVES SUB UNIT 1 PB 12-PG 10 EAST 1/2 OF LOT 6 2.5A
Legal Range	29E
Legal Township	34S
Legal Section	16
Legal Subdivision	CINDYS GROVES SUB
Legal Lot Number	6 2
Legal Unit	1
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1006
Census Tract	960900

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 9, 2022	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Sep 17, 2021	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTRE
Oct 5, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Feb 7, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2019
Deed Sale	Feb 18, 2019
Prior Sale	Jun 17, 2011 · Amount on Record
Deed Document Number	0002678846
Deed Book / Page	2286 / 1658
Prior Transfer Date	Feb 29, 2012
Prior Transfer Doc	1647987
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN, SEBRING, FL 33870-6824

Mortgage

Document Number	0002177896
Date	Nov 16, 2023
Book Page	3009/1813
Instrument	2177896

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	287 Months
Due	Oct 1, 2047

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN, SEBRING, FL 33870-6824

Mortgage

Document Number	0002114231
Date	Sep 9, 2022
Book Page	2930/216
Instrument	2114231

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Transaction Type	Mortgage
Record Updated	Oct 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001960242
Date	Sep 17, 2021
Book Page	2718/489
Instrument	1960242

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	217 Months
Due	Oct 10, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001951759
Date	Aug 12, 2019
Book Page	2707/0048
Instrument	1951759

Lender

Name	MORTGAGE CENTER LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Document Number	0001987618
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NATIONS TITLE, NATIONS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN SEBRING FL 338706824, SEBRING, FL 33870-6824

Mortgage

Document Number	0001987618
Date	Jun 4, 2020
Book Page	002756/000409
Instrument	1987618

Lender

Name	MORTGAGE CENTRE
Type	Mortgage Company
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Document Number	0001960242
Instrument Date	Oct 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN SEBRING FL 338706824, SEBRING, FL 33870-6824

Mortgage

Document Number	0001960242
Date	Oct 16, 2019
Book Page	002718/000489
Instrument	1960242

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2039

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Document Number	0001937045
Instrument Date	Apr 10, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN SEBRING FL 338706824, SEBRING, FL 33870-6824

Mortgage

Document Number	0001937045
Date	Apr 18, 2019
Book Page	002688/000740
Instrument	1937045

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2039

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3440 CINDYS LN, SEBRING, FL 33870-6824
Document Number	0001929268
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 CINDYS LN SEBRING FL 338706824, SEBRING, FL 33870-6824

Mortgage

Document Number	0001929268
Date	Feb 18, 2019
Book Page	002678/000847
Instrument	1929268

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 17, 2039

Interest

Rate Type	Adjustable Rate

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		$127,965 (+5.99%)	$271,363 (+17.26%) Land $43,750 Building $227,613
2024	$1,539.00 (+1.18%)
2023	$1,521.00 (-1.11%) Homeowner's exemption Widower's exemption	$120,737 (+3%)	$231,414 (+13.24%) Land $20,000 Building $211,414
2022	$1,538.00 Homeowner's exemption Widower's exemption	$117,220	$204,351 Land $20,000 Building $184,351

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 46 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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