Highlands County property record for 3800 Duffer Rd, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,706 sqft · built 1987 |
| Lot Size | 0.493 acres (21,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Dec 2016) |
| Tax Bill | $3,480 (2024) |
| Deeds & Mortgages | Dec 2019 Second Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C344802200001890 |
| Primary APN | C344802200001890 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,706 sqft Living Area |
| 1st Floor Area | 2,815 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,500 sqft (0.493 acres) |
| Lot Dimensions | 215 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 564 sqft |
| Driveway | Driveway |
| Driveway Area | 1,218 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Porch Area | 155 sqft |
| Patio Area | 661 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C344802200001890 |
|---|---|
| Street Address | 3800 DUFFER RD |
| City | SEBRING |
| State | FL |
| Zip | 33872-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GOLF HAMMOCK UNIT 3 PB 14 PG 10 LOT 189 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 34 |
| Legal Subdivision | GOLF HAMMOCK UNIT 3 |
| Legal Lot Number | 189 |
| Legal Unit | 3 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 960602 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 2, 2020 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Feb 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2016 · Amount on Record |
| Deed Sale | Dec 14, 2016 · Amount on Record |
| Prior Sale | Jul 18, 2008 |
| Deed Document Number | 1836130 |
| Deed Book / Page | 2557 / 1509 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001968896 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 2730/0064 |
| Instrument | 1968896 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEWARK, DE 19702 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 23, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Document Number | 0002061219 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 2861/865 |
| Instrument | 2061219 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Document Number | 0001991929 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3800 DUFFER RD SEBRING FL 338721606, SEBRING, FL 33872-1606 |
| Document Number | 0001991929 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 002762/001895 |
| Instrument | 1991929 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3800 DUFFER RD, SEBRING, FL 33872-1606 |
| Document Number | 0001931246 |
| Instrument Date | Feb 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3800 DUFFER RD SEBRING FL 338721606, SEBRING, FL 33872-1606 |
| Document Number | 0001931246 |
|---|---|
| Date | Mar 6, 2019 |
| Book Page | 002680/001923 |
| Instrument | 1931246 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $274,888 (+7.24%) | $374,882 (-1.74%) Land $28,500 Building $346,382 | |
| 2024 | $3,480.00 (+3.33%) | ||
| 2023 | $3,368.00 (+1.26%) Homeowner's exemption | $256,323 (+3%) | $381,522 (+14.95%) Land $27,000 Building $354,522 |
| 2022 | $3,326.00 Homeowner's exemption | $248,857 | $331,891 Land $27,000 Building $304,891 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 44 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 8 (2017–2022) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 49 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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