3531 Westminster Rd, Sebring, FL 33875 Property Records

Highlands County property record for 3531 Westminster Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,197 sqft · built 2006
Lot Size	0.232 acres (10,129 sqft)
Owner	2 Individual Names on File
Last Sale	$217,500 (Feb 2020)
Tax Bill	$3,646 (2024)
Deeds & Mortgages	Nov 2017 Reverse Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S-02-35-28-030-0970-0080`

Property Details

APN / Parcel Number

Primary APN	`S-02-35-28-030-0970-0080`
Alternative APN	`C02352803009700080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,197 sqft Living Area
1st Floor Area	1,692 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,129 sqft (0.232 acres)
Lot Dimensions	134 ft deep x 74 ft wide
Garage Type	Finished
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	556 sqft
Patio Area	112 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C02352803009700080
Street Address	3531 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 PB 2-PG 50 PARCEL 8 AKA-ALL LOT 24 + WLY PORT LOT 25 BLK 97
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERRACE SH 01
Legal Block	97
Legal Lot Number	24
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1015
Census Tract	961301

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2017	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Feb 5, 2020	Warranty Deed, Transfer · Conventional with PMI SUPREME LNDG
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Feb 21, 2008 · Amount on Record
Deed Document Number	0002737238
Deed Book / Page	2737 / 238
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001871698
Date	Nov 6, 2017
Book Page	2605/1902
Instrument	1871698

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.56%
Type Change Date	Nov 1, 2018
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627

Mortgage

Document Number	0002014354
Date	Jan 8, 2021
Book Page	2795/560
Instrument	2014354

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 5, 2020
Property Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627
Document Number	0001974354
Book / Page	002737 / 000238
Instrument Date	Feb 5, 2020
Instrument	1974354
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,523.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3531 WESTMINSTER RD SEBRING FL 338754627, SEBRING, FL 33875-4627

Mortgage

Document Number	1974355
Date	Feb 5, 2020
Book Page	002737/000240
Instrument	1974355

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3531 WESTMINSTER RD, SEBRING, FL 33875-4627
Document Number	0001871699
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 WESTMINSTER RD SEBRING FL 338754627, SEBRING, FL 33875-4627

Mortgage

Document Number	0001871699
Date	Nov 6, 2017
Book Page	002605/001916
Instrument	1871699

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	4.56%

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		$216,389 (+5.99%)	$282,727 (+9.76%) Land $16,775 Building $265,952
2024	$3,646.00 (+2.88%)
2023	$3,544.00 (+5.07%) Homeowner's exemption	$204,166 (+3%)	$257,577 (+10.51%) Land $10,323 Building $247,254
2022	$3,373.00 Homeowner's exemption	$198,219	$233,075 Land $10,323 Building $222,752

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

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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