3820 Rodeo Dr, Sebring, FL 33875 Property Records

Highlands County property record for 3820 Rodeo Dr, Sebring, FL 33875 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 2009
Lot Size	0.287 acres (12,535 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Oct 2021)
Tax Bill	$2,968 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C095801400000180`

Property Details

APN / Parcel Number

Primary APN	`C095801400000180`
Alternative APN	`C-09-35-28-014-0000-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,754 sqft Living Area
1st Floor Area	1,386 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,535 sqft (0.287 acres)
Lot Dimensions	112 ft deep x 55 ft wide
Garage Type	Finished
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	646 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C095801400000180
Street Address	3820 RODEO DR
City	SEBRING
State	FL
Zip	33875-4783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE OAKS VILLAGE PB 15 PG 88 LOT 18 + PORTION OF CONTIG TR GG
Legal Range	28E
Legal Township	35S
Legal Section	09
Legal Subdivision	PRAIRIE OAKS VILLAGE
Legal Tract	GG
Legal Lot Number	18
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3019
Census Tract	961301

Owner

Source: Highlands County records · APN C095801400000180

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	Individual Name on File
Mailing Address	PO BOX 8047, SEBRING, FL 33872-0118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 28, 2021	Warranty Deed, Transfer · Balloon Mortgage VON T RUDDLE LIVING TRUST
Apr 10, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Apr 10, 2019 · Amount on Record
Deed Document Number	2061390
Deed Book / Page	2861 / 1224
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3820 RODEO DR, SEBRING, FL 33875-4783
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 RODEO DR, SEBRING, FL 33875-4783

Mortgage

Document Number	0002002589
Date	Oct 14, 2020
Book Page	2778/576
Instrument	2002589

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 28, 2021
Property Address	3820 RODEO DR, SEBRING, FL 33875-4783
Document Number	0002061390
Book / Page	2861 / 1224
Map Reference	MB 15 PG 88
Instrument Date	Oct 27, 2021
Instrument	2061390
Transaction Type	Transfer
Record Updated	Nov 08, 2021
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3820 RODEO DR, 3820, SEBRING, FL 33875-4783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8047, SEBRING, FL 33872-0118

Mortgage

Document Number	0028611227
Date	Oct 28, 2021
Instrument	2861/1227

Lender

Name	VON T RUDDLE LIVING TRUST
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 27, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 10, 2019
Property Address	3820 RODEO DR, SEBRING, FL 33875-4783
Document Number	0001935905
Book / Page	2686 / 1830
Map Reference	MB 15 PG 88
Instrument Date	Apr 03, 2019
Instrument	1935905
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1097 MANLEY RD, 1097, WAUCHULA, FL 33873-6409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 RODEO DR, SEBRING, FL 33875-4783

Mortgage

Document Number	0001935906
Date	Apr 10, 2019
Instrument	1935906

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

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		$244,682 (+5.99%)	$265,139 (+13.09%) Land $26,500 Building $238,639
2024	$2,968.00 (+1.75%)
2023	$2,917.00 (+1.21%) Homeowner's exemption	$230,860 (+3%)	$234,457 (+4.6%) Land $18,000 Building $216,457
2022	$2,882.00 Homeowner's exemption	$224,136 Land $18,000 Building $206,136	$224,136 Land $18,000 Building $206,136

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 120559613013, 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
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

Wildfire

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	About 1 in 250 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 107 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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