3923 Loquat Rd, Sebring, FL 33875 Property Records

Highlands County property record for 3923 Loquat Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,376 sqft · built 1997
Lot Size	0.249 acres (10,884 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Nov 2022)
Tax Bill	$2,040 (2024)
Deeds & Mortgages	Sep 2023 Transfer Nov 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C-02-35-28-081-0000-0050`

Property Details

APN / Parcel Number

Primary APN	`C-02-35-28-081-0000-0050`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,134 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,884 sqft (0.249 acres)
Lot Dimensions	124 ft deep x 87 ft wide
Garage Type	Finished
Garage Area	374 sqft
Driveway	Driveway
Driveway Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	276 sqft
Fence	Fence
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	3923 LOQUAT RD
City	SEBRING
State	FL
Zip	33875-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOQUAT TERRACE PB 16 PG 10 LOT 5
Legal Range	28E
Legal Township	35S
Legal Section	02
Legal Subdivision	LOQUAT TERRACE
Legal Lot Number	5
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2019
Census Tract	961301

Owner

3923 Loquat Rd is owned and occupied by an individual who acquired it in September 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
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
Sep 13, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2022	Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C
Apr 28, 2021	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
May 21, 2018	Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Nov 7, 2022 · Amount on File
Deed Document Number	0002123086
Deed Book / Page	2940 / 1306
Last Transfer Date	Sep 13, 2023
Transfer Doc	0002169072
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 13, 2023
Property Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
Document Number	0002169072
Book / Page	2998 / 943
Map Reference	MB 16 PG 10
Instrument Date	Sep 12, 2023
Instrument	2169072
Transaction Type	Transfer
Record Updated	Sep 29, 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	3923 LOQUAT RD, SEBRING, FL 33875-4880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3923 LOQUAT RD, SEBRING, FL 33875-4880

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 7, 2022
Property Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
Document Number	0002123086
Book / Page	2940 / 1306
Map Reference	MB 16 PG 10
Instrument Date	Nov 4, 2022
Instrument	2123086
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Tax	$1,463.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3923 LOQUAT RD, 3923, SEBRING, FL 33875-4880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3923 LOQUAT RD, SEBRING, FL 33875-4880

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002031687
Date	Apr 28, 2021
Book Page	2819/1298
Instrument	2031687

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001958404
Date	Oct 1, 2019
Book Page	2715/1562
Instrument	1958404

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 21, 2018
Property Address	3923 LOQUAT RD, SEBRING, FL 33875-4880
Document Number	0001897324
Book / Page	2637 / 0146
Map Reference	MB16 PG10
Instrument Date	May 6, 2018
Instrument	1897324
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	HEARTLANDS TITLE INS AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 W VAN BUREN ST, 103, PHILO, IL 61864-9219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 LOQUAT RD, SEBRING, FL 33875-4880

Mortgage

Document Number	0001897325
Date	May 21, 2018
Instrument	1897325

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$173,767 Land $15,377 Building $158,390	$173,767 Land $15,377 Building $158,390
2024	$2,040.00
2023	Homeowner's exemption	$164,909 (+68.23%) Land $15,377 Building $149,532	$164,909 (+15.57%) Land $15,377 Building $149,532
2022	$298.00 Disabled Person's exemption Veteran's exemption	$98,027	$142,686 Land $7,908 Building $134,778

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3923 Loquat Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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 3923 Loquat Rd is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 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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