3638 Wynstone Dr, Sebring, FL 33875 Property Records

Highlands County property record for 3638 Wynstone Dr, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,905 sqft · built 1984
Lot Size	0.11 acres (4,810 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,069 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C0958011000019C0`

Property Details

APN / Parcel Number

Primary APN	`C0958011000019C0`
Alternative APN	`C-09-35-28-011-0000-19C0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,905 sqft Living Area
Gross Area	2,346 sqft
1st Floor Area	1,665 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,810 sqft (0.11 acres)
Lot Dimensions	130 ft deep x 37 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	441 sqft
Driveway	Concrete Driveway
Driveway Area	352 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3638 WYNSTONE DR
City	SEBRING
State	FL
Zip	33875-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3FUD
Legal Description	PRAIRIE OAKS PHASE I PB 14 PG 29 LOT 19C + EASEMENT RIGHTS
Legal Range	28E
Legal Township	35S
Legal Section	09
Legal Subdivision	PRAIRIE OAKS PHASE I
Legal Lot Number	19C
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3026
Census Tract	961301

Owner

3638 Wynstone Dr is owned and occupied by two individuals who acquired it in August 2025.

Source: Highlands County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jul 20, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 27, 2024	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN BANK
Oct 20, 2019	Loan Modification, Mortgage WAUCHULA ST BK
Oct 20, 2018	Loan Modification, Mortgage WAUCHULA ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 29, 2025
Transfer Doc	0002276359
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 11, 2026
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Document Number	0002325632
Book / Page	3211 / 1
Instrument Date	Aug 3, 2026
Instrument	20262325632
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718

Mortgage

Document Number	0002325632,
Date	Aug 11, 2026
Book Page	3211/1
Instrument	20262325632

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 20, 2026
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Document Number	0002322246
Book / Page	3206 / 86
Instrument Date	Jul 16, 2026
Instrument	20262322246
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718

Mortgage

Document Number	0002191677
Date	Feb 27, 2024
Book Page	3028/13
Instrument	2191677

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001973880
Date	Feb 3, 2020
Book Page	2736/1013
Instrument	1973880

Lender

Name	FIRST SOUTHERN BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jan 27, 2025
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	11%

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Document Number	0001967364
Instrument Date	Oct 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 WYNSTONE DR SEBRING FL 338754718, SEBRING, FL 33875-4718

Mortgage

Document Number	0001967364
Date	Dec 12, 2019
Book Page	002727/001695
Instrument	1967364

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	LAKELAND, FL 33803-1117

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 11, 2020

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	3638 WYNSTONE DR, SEBRING, FL 33875-4718
Document Number	0001922132
Instrument Date	Oct 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3638 WYNSTONE DR SEBRING FL 338754718, SEBRING, FL 33875-4718

Mortgage

Document Number	0001922132
Date	Dec 17, 2018
Book Page	002669/001536
Instrument	1922132

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	SEBRING, FL 33872

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 16, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 3638 Wynstone Dr was $1,069, up 3.9% from the year before.

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	$1,069.00 (+3.89%)	$105,626	$213,969 Land $15,000 Building $198,969
2024	$1,029.00
2023	Homeowner's exemption Senior Citizen's exemption Widower's exemption	$99,659	$185,186 Land $12,500 Building $172,686

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3638 Wynstone Dr in Zone X, an area of minimal flood risk.

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 File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 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

Wildfire risk around 3638 Wynstone Dr is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.5% 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 108 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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