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3520 Dolphin Dr, Sebring, FL 33870 Property Records

Highlands County property record for 3520 Dolphin Dr, Sebring, FL 33870

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,644 sqft · built 2019
Lot Size0.235 acres (10,259 sqft)
Owner2 Individual Names on Record
Last Sale$8,000 (Jun 2019)
Tax Bill$1,918 (2024)
Deeds & MortgagesNov 2021 Mortgage
Jul 2019 Construction Loan
+ 4 more
Flood ZoneZone X (minimal risk)
APNC104802000002780

Property Details

APN / Parcel Number

Primary APNC104802000002780
Alternative APN
  • C-10-34-28-020-0000-2780

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,644 sqft Living Area
FlooringSlate
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,259 sqft (0.235 acres)
Lot Dimensions125 ft deep x 82 ft wide
Garage TypeCarport
CarportCarport
DrivewayDriveway
Driveway Area586 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area225 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC104802000002780
Street Address3520 DOLPHIN DR
CitySEBRING
StateFL
Zip33870-1059
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionSEBRING RIDGE SEC B PB 7-PG 46 LOT 278
Legal Range28E
Legal Township34S
Legal Section10
Legal SubdivisionSEBRING RIDGE SEC B
Legal BlockPB
Legal Lot Number278
JurisdictionHIGHLANDS FL
Township / Civil DivisionAVON PARK
Census Block Group1
Census Block1016
Census Tract960105

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 Record2 Individual Names on Record
Mailing Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 3, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 8, 2019Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND NATIONAL BANK
Apr 15, 2020Loan Modification, Mortgage · Conventional with PMI
HEARTLAND NAT'L BK
Jun 10, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Apr 23, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Dec 15, 2017Deed of Trust, Mortgage
HEMBROOKE TIMOTHY S LIVIN (LT)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 10, 2019 · Amount on Record
Deed SaleJun 10, 2019 · Amount on Record
Prior SaleApr 23, 2018 · Amount on Record
Deed Document Number1943726
Deed Book / Page2696 / 1739
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Transaction TypeMortgage
Record UpdatedNov 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0002062413
DateNov 3, 2021
Book Page2863/91
Instrument2062413
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48266
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2051

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001947382
DateJul 8, 2019
Book Page2701/1330
Instrument1947382
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term13 Months
DueAug 1, 2020

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Document Number0001982684
Instrument DateApr 15, 2020
Transaction TypeMortgage
Record UpdatedMay 4, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3520 DOLPHIN DR SEBRING FL 338701059, SEBRING, FL 33870-1059

Mortgage

Document Number0001982684
DateApr 16, 2020
Book Page002748/001644
Instrument1982684
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term60 Months
DueApr 15, 2025

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateJun 10, 2019
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Document Number0001943726
Book / Page002696 / 001739
Instrument DateJun 7, 2019
Instrument1943726
Transaction TypeTransfer
Record UpdatedJun 19, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$56.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3108 KING DR SEBRING FL 338701003, SEBRING, FL 33870-1003

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateApr 23, 2018
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Document Number0001893756
Book / Page002632 / 000948
Instrument DateApr 20, 2018
Instrument1893756
Transaction TypeTransfer
Record UpdatedMay 1, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$119.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3514 DOLPHIN DR SEBRING FL 338701059, SEBRING, FL 33870-1059

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address3520 DOLPHIN DR, SEBRING, FL 33870-1059
Document Number0001877697
Book / Page002613 / 000275
Instrument DateDec 15, 2017
Transaction TypeMortgage
Record UpdatedJan 9, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3514 DOLPHIN DR SEBRING FL 338701059, SEBRING, FL 33870-1059

Mortgage

Document Number0001877697
DateDec 21, 2017
Book Page002613/000275
Instrument1877697
Lender
NameHEMBROOKE TIMOTHY S LIVIN (LT)
Address182 ROPER DR, WINTER GARDEN, FL 34787-2724
Agreement
AmountAmount Recorded
Term120 Months
DueDec 20, 2027

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$162,013 (+5.99%)$231,964 (+18.63%) Land $12,300 Building $219,664
2024$1,918.00 (+2.62%)
2023$1,869.00 (+1.85%) Homeowner's exemption$152,861 (+3%)$195,536 (+2.87%) Land $10,762 Building $184,774
2022$1,835.00 Homeowner's exemption$148,409$190,085 Land $8,200 Building $181,885

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies6 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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.06% annual chance
ExposureNone
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 SystemCITY OF AVON PARK
serves 19,361 people · EPA ID FL6280049
Water SourceGroundwater
Last State InspectionMay 2025
Lead10 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

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

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