3515 Cindys Ln, Sebring, FL 33870 Property Records

Highlands County property record for 3515 Cindys Ln, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1983
Lot Size	5 acres (217,910 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Nov 2021)
Tax Bill	$1,056 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C164902000000110`

Property Details

APN / Parcel Number

Primary APN	`C164902000000110`
Alternative APN	`C-16-34-29-020-0000-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	2,595 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	217,910 sqft (5 acres)
Lot Dimensions	635 ft deep x 343 ft wide
Garage Type	Attached
Garage Area	885 sqft
Driveway	Concrete Driveway
Driveway Area	810 sqft
Parking Spaces	4 Parking Spaces
Patio Area	64 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3515 CINDYS LN
City	SEBRING
State	FL
Zip	33870-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	CINDYS GROVES UNIT 2 PB 12 PG 37 LOT 11 5 ACRES
Legal Range	29E
Legal Township	34S
Legal Section	16
Legal Subdivision	CINDYS GROVES UNIT 2
Legal Lot Number	11
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1006
Census Tract	960900

Owner

Source: Highlands County records, as of April 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1951 NW 7TH AVE, 160, MIAMI, FL 33136-1139
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage ATOMIC LOANS LLC
Nov 9, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ATOMIC LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2021 · Amount on Record
Deed Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	20212063521
Deed Book / Page	2864 / 957
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3515 CINDYS LN, SEBRING, FL 33870-6815
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	HEMISPHERE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1951 NW 7TH AVE 160-12, 160, MIAMI, FL 33136-1139

Mortgage

Document Number	0002109309
Date	Aug 9, 2022
Book Page	2924/335
Instrument	2109309

Lender

Name	ATOMIC LOANS LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33134

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2023

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 9, 2021
Property Address	3515 CINDYS LN, SEBRING, FL 33870-6815
Document Number	0002063521
Book / Page	2864 / 957
Map Reference	MB 12 PG 37
Instrument Date	Jun 15, 2021
Instrument	2063521
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	HEMISPHERE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 OLIVE ST, 25, COCOA, FL 32922-7555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1951 NW 7TH AVE STE 160, 160, MIAMI, FL 33136-1139

Mortgage

Document Number	0002864959
Date	Nov 9, 2021
Instrument	2864/959

Lender

Name	ATOMIC LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2022

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		$90,537 (+27.78%) Land $75,000 Building $15,537	$90,537 (+27.78%) Land $75,000 Building $15,537
2024	$1,056.00 (-20.24%)
2023	$1,324.00 (-52.03%)	$70,856 (-59.17%) Land $35,000 Building $35,856	$70,856 (-59.17%) Land $35,000 Building $35,856
2022	$2,760.00	$173,559 Land $35,000 Building $138,559	$173,559 Land $35,000 Building $138,559

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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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