3816 Divot Rd, Sebring, FL 33872 Property Records

Highlands County property record for 3816 Divot Rd, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,592 sqft · built 1990
Lot Size	0.49 acres (21,324 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Apr 2012)
Tax Bill	$3,054 (2024)
Deeds & Mortgages	Dec 2022 Transfer Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C344802300002350`

Property Details

APN / Parcel Number

Primary APN	`C344802300002350`
Alternative APN	`C-34-34-28-023-0000-2350`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,592 sqft Living Area
Gross Area	3,228 sqft
1st Floor Area	2,592 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,324 sqft (0.49 acres)
Lot Dimensions	185 ft deep x 115 ft wide
View / Lot	Water
Garage Type	Attached
Garage Area	636 sqft
Driveway	Concrete Driveway
Driveway Area	1,050 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	392 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	415 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3816 DIVOT RD
City	SEBRING
State	FL
Zip	33872-1276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GOLF HAMMOCK UNIT III-A PB 14 PG 38 LOT 235
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	GOLF HAMMOCK UNIT 3-A
Legal Lot Number	235
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4061
Census Tract	960602

Owner

Source: Highlands County records, as of March 6, 2026

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	3816 DIVOT RD, SEBRING, FL 33872-1276
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
May 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2012 · Amount on Record
Deed Sale	Apr 5, 2012 · Amount on Record
Prior Sale	Jun 25, 2004 · Amount on Record
Deed Document Number	20121652114
Deed Book / Page	2321 / 240
Last Transfer Date	May 24, 2019
Transfer Doc	0001941988
Record Updated	Jun 8, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 22, 2022
Property Address	3816 DIVOT RD, SEBRING, FL 33872-1276
Document Number	0002129697
Book / Page	2948 / 1386
Map Reference	MB 14 PG 38
Instrument Date	Dec 19, 2022
Instrument	2129697
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3816 DIVOT RD, SEBRING, FL 33872-1276

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3816 DIVOT RD, SEBRING, FL 33872-1276

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3816 DIVOT RD, SEBRING, FL 33872-1276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001912590
Date	Sep 26, 2018
Book Page	2657/0902
Instrument	1912590

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 29, 2019
Property Address	3816 DIVOT RD, SEBRING, FL 33872-1276
Document Number	0001941988
Book / Page	002694 / 001400
Instrument Date	May 24, 2019
Instrument	1941988
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3816 DIVOT RD SEBRING FL 338721276, SEBRING, FL 33872-1276

Tax Assessment & Valuation

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		$241,036 (+6.2%)	$358,458 (-1.82%) Land $32,500 Building $325,958
2024	$3,054.00 (+2.41%)
2023	$2,982.00 (+1.43%) Homeowner's exemption	$226,964 (+3%)	$365,090 (+14.99%) Land $30,000 Building $335,090
2022	$2,940.00 Homeowner's exemption	$220,353	$317,492 Land $30,000 Building $287,492

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	SILVER LAKE UTILITY- BUCKHORN HOUSING private · serves 60 people · EPA ID FL5284101
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 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	None 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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