3811 Divot Rd, Sebring, FL 33872 Property Records

Highlands County property record for 3811 Divot Rd, Sebring, FL 33872 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,045 sqft · built 1986
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$155,900 (Dec 2018)
Tax Bill	$1,586 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C344802200001750`

Property Details

APN / Parcel Number

Primary APN	`C344802200001750`
Alternative APN	`C-34-34-28-022-0000-1750`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,045 sqft Living Area
1st Floor Area	1,722 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	697 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C344802200001750
Street Address	3811 DIVOT RD
City	SEBRING
State	FL
Zip	33872-1295
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLF HAMMOCK UNIT 3 PB 14 PG 10 LOT 175
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	GOLF HAMMOCK UNIT 3
Legal Lot Number	175
Legal Unit	3
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4034
Census Tract	960602

Owner

Source: Highlands County records · APN C344802200001750

Assessment roll updated July 1, 2025 · Last verified December 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	3811 DIVOT RD, SEBRING, FL 33872-1295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 01, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Dec 30, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Dec 17, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Deed Document Number	1922008
Deed Book / Page	2669 / 1168
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3811 DIVOT RD, SEBRING, FL 33872-1295
Transaction Type	Mortgage
Record Updated	Feb 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 DIVOT RD, SEBRING, FL 33872-1295

Mortgage

Document Number	0002073632
Date	Jan 20, 2022
Book Page	2878/1430
Instrument	2073632

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2037

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3811 DIVOT RD, SEBRING, FL 33872-1295
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002066323
Date	Dec 01, 2021
Book Page	2868/955
Instrument	2066323

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 01, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3811 DIVOT RD, SEBRING, FL 33872-1295
Document Number	0001970744
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 03, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3811 DIVOT RD SEBRING FL 338721295, SEBRING, FL 33872-1295

Mortgage

Document Number	0001970744
Date	Jan 13, 2020
Book Page	002732/001248
Instrument	1970744

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 17, 2018
Property Address	3811 DIVOT RD, SEBRING, FL 33872-1295
Document Number	0001922008
Book / Page	002669 / 001168
Instrument Date	Dec 13, 2018
Instrument	1922008
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,091.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3811 DIVOT RD SEBRING FL 338721295, SEBRING, FL 33872-1295

Mortgage

Document Number	1922009
Date	Dec 17, 2018
Book Page	002669/001170
Instrument	1922009

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$140,794 (+5.99%)	$196,801 (-0.86%) Land $28,500 Building $168,301
2024	$1,586.00 (+3.26%)
2023	$1,536.00 (-1.73%) Homeowner's exemption Disabled Person's exemption	$132,841 (+3%)	$198,501 (+14.77%) Land $27,000 Building $171,501
2022	$1,563.00 Homeowner's exemption Disabled Person's exemption	$128,972	$172,958 Land $27,000 Building $145,958

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559606024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 44 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 2,326 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 168 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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