3523 Westminster Rd, Sebring, FL 33875 Property Records

Highlands County property record for 3523 Westminster Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,486 sqft · built 2006
Lot Size	0.277 acres (12,093 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Nov 2013)
Tax Bill	$2,638 (2024)
Deeds & Mortgages	May 2023 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S-02-35-28-030-0970-0060`

Property Details

APN / Parcel Number

Primary APN	`S-02-35-28-030-0970-0060`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,486 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,093 sqft (0.277 acres)
Lot Dimensions	137 ft deep x 91 ft wide
Garage Type	Finished
Garage Area	572 sqft
Driveway	Driveway
Driveway Area	728 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	411 sqft
Patio Area	132 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3523 WESTMINSTER RD
City	SEBRING
State	FL
Zip	33875-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKEWOOD TERRACE SH 1
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERS SHEET 1
Legal Block	97
Legal Lot Number	21
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1015
Census Tract	961301

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	3523 WESTMINSTER RD, SEBRING, FL 33875-4627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 16, 2024	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2013 · Amount on Record
Deed Sale	Nov 26, 2013 · Amount on Record
Prior Sale	Jun 19, 2007 · Amount on Record
Deed Document Number	0024061371
Deed Book / Page	2406 / 1371
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3523 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002152012
Date	May 19, 2023
Book Page	2976/648
Instrument	2152012

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3523 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002022518
Date	Mar 8, 2021
Book Page	2806/1863
Instrument	2022518

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3523 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SEBER TITLE AGENCY LLC, MEMBERS TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 WESTMINSTER RD RID, SEBRING, FL 33875-4627

Mortgage

Document Number	0002212970
Date	Jul 16, 2024
Book Page	3056/572
Instrument	2212970

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3523 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001962546
Date	Nov 4, 2019
Book Page	2721/0844
Instrument	1962546

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Municipality	Sebring City
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$163,073 (+5.99%)	$329,541 (+9.63%) Land $20,629 Building $308,912
2024	$2,638.00 (+3.53%)
2023	$2,548.00 (+5.68%) Homeowner's exemption	$153,861 (+3%)	$300,604 (+11.15%) Land $12,694 Building $287,910
2022	$2,411.00 Homeowner's exemption	$149,380	$270,443 Land $12,694 Building $257,749

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	6 (2004–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.09% 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	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	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	19 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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