3607 Westminster Rd, Sebring, FL 33875 Property Records

Highlands County property record for 3607 Westminster Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,846 sqft · built 2005
Lot Size	0.297 acres (12,955 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jun 2026)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S-02-35-28-030-0920-0130`

Property Details

APN / Parcel Number

Primary APN	`S-02-35-28-030-0920-0130`
Alternative APN	`C02352803009200130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,955 sqft (0.297 acres)
Lot Dimensions	161 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	612 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Unfinished Open Porch
Porch Area	120 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3607 WESTMINSTER RD
City	SEBRING
State	FL
Zip	33875-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKEWOOD TERRACE SH 1 PB 2 PG 50 LOT 13 + IRREG PORT OF LOTS 10-11 + 14 BLK 92
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERS
Legal Block	92
Legal Lot Number	10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1015
Census Tract	961301

Owner

Source: Highlands County records, as of June 9, 2026

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	120 LONGVIEW RD, SEBRING, FL 33870-1431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING, LLC.
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Aug 6, 2021 · Amount on Record
Deed Document Number	20262315183
Deed Book / Page	3195 / 1591
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 1, 2026
Property Address	3607 WESTMINSTER RD, SEBRING, FL 33875-4604
Document Number	0002315183
Book / Page	3195 / 1591
Instrument Date	May 26, 2026
Instrument	20262315183
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 LONGVIEW RD, SEBRING, FL 33870-1431

Mortgage

Document Number	0002315184,
Date	Jun 1, 2026
Instrument	20262315184

Lender

Name	HOME1ST LENDING, LLC.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 6, 2021
Property Address	3607 WESTMINSTER RD, SEBRING, FL 33875-4604
Document Number	0002047701
Book / Page	2842 / 1358
Map Reference	MB 2 PG 50
Instrument Date	Aug 2, 2021
Instrument	2047701
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5112 LAKE DEESON WOODS CT, 5112, LAKELAND, FL 33805-7638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 WESTMINSTER RD, SEBRING, FL 33875-4604

Mortgage

Document Number	0028421360
Date	Aug 6, 2021
Instrument	2842/1360

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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	$3,088.00 (+4.5%) Homeowner's exemption	$179,831 (+5.99%)	$248,411 (+10.33%) Land $21,586 Building $226,825
2024	$2,955.00 (+3.29%)
2023	$2,861.00 (+5.46%) Homeowner's exemption	$169,673 (+3%)	$225,143 (+10.43%) Land $13,284 Building $211,859
2022	$2,713.00 Homeowner's exemption	$164,731	$203,881 Land $13,284 Building $190,597

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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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