3824 Westminster Rd, Sebring, FL 33875 Property Records

Highlands County property record for 3824 Westminster Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,114 sqft · built 2021
Lot Size	0.331 acres (14,428 sqft)
Owner	Individual Name on File
Last Sale	$333,500 (Jul 2024)
Tax Bill	$4,880 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S025803009300160`

Property Details

APN / Parcel Number

Primary APN	`S025803009300160`
Alternative APN	`S-02-35-28-030-0930-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,114 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,428 sqft (0.331 acres)
Lot Dimensions	122 ft deep x 62 ft wide
Garage Type	Finished
Garage Area	357 sqft
Driveway	Driveway
Driveway Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	S025803009300160
Street Address	3824 WESTMINSTER RD
City	SEBRING
State	FL
Zip	33875-4638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUQD
Legal Description	LAKEWOOD TERRACE SHEET 1 PB 2-PG 50 LOT 16 BLK 93 PR 93-191
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LAKEWOOD TERRACE SH 01
Legal Block	93
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1012
Census Tract	961301

Owner

3824 Westminster Rd is owned and occupied by an individual who bought it in July 2024.

Source: Highlands County records, as of December 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 28, 2022	Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUDDLE VON T LIVING TRUST
Jun 22, 2020	Correction Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE
Jun 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Dec 2, 2019	Warranty Deed, Foreclosure CAPSTONE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024 · Amount on File
Deed Sale	Jul 22, 2024 · Amount on File
Prior Sale	Jan 28, 2022 · Amount on File
Deed Document Number	2213695
Deed Book / Page	3057 / 158
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 28, 2022
Property Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Document Number	0002075265
Book / Page	2880 / 1019
Map Reference	MB 2 PG 50
Instrument Date	Jan 15, 2022
Instrument	2075265
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,889.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	848 BRICKELL AVE # AVE1130A, AVE1130A, MIAMI, FL 33131-2949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2112 COLMAR AVE, SEBRING, FL 33870-4515

Mortgage

Document Number	0028801022
Date	Jan 28, 2022
Instrument	2880/1022

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Document Number	0002001910
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	231 174TH ST SUNNY ISLES BEACH FL 331603368, SUNNY ISLES BEACH, FL 33160-3368

Mortgage

Document Number	0002001910
Date	Oct 8, 2020
Book Page	002777/000876
Instrument	2001910

Lender

Name	RUDDLE VON T LIVING TRUST
Address	6236 COVERTY PL, VERO BEACH, FL 32966-6487

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 22, 2020
Property Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Document Number	0001989330
Book / Page	002758 / 001823
Instrument Date	Jun 18, 2020
Instrument	1989330
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	700 172ND ST #407 SUNNY ISLES BEACH FL 33160, 407, SUNNY ISLES BEACH, FL 33160

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 16, 2020
Property Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Document Number	0001988712
Book / Page	002757 / 001848
Instrument Date	Jun 12, 2020
Instrument	1988712
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	700 172ND ST #407 SUNNY ISLES BEACH FL 33160, 407, SUNNY ISLES BEACH, FL 33160

December 2019: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 2, 2019
Property Address	3824 WESTMINSTER RD, SEBRING, FL 33875-4638
Document Number	0001965741
Book / Page	002725 / 001671
Instrument Date	Nov 25, 2019
Instrument	1965741
Transaction Type	Foreclosure
Record Updated	Dec 12, 2019
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$98.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 174TH ST #2317 SUNNY ISLES BEACH FL 331603321, 2317, SUNNY ISLES BEACH, FL 33160-3321

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$290,629 Land $48,064 Building $242,565	$290,629 Land $48,064 Building $242,565
2024	$4,880.00 (+2.43%)
2023	$4,764.00 (+2.52%) Homeowner's exemption	$265,733 (+15.88%) Land $36,048 Building $229,685	$265,733 (+15.88%) Land $36,048 Building $229,685
2022	$4,647.00	$229,317 Land $36,048 Building $193,269	$229,317 Land $36,048 Building $193,269

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

Flood

FEMA maps place 3824 Westminster Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	6 (2004–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 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

Wildfire risk around 3824 Westminster Rd is moderate, ranking above 51% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.2% 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	SOUTHEAST serves 2,828 people · EPA ID FL6531742
Water Source	Groundwater
Last State Inspection	May 2023
Lead	1 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	19 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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