4087 Camp Shore Dr, Sebring, FL 33875 Property Records

Highlands County property record for 4087 Camp Shore Dr, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,573 sqft · built 2022
Lot Size	3.57 acres (155,845 sqft)
Owner	2 Company Names on File
Last Sale	$740,000 (Jun 2023)
Tax Bill	$11,439 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S-17-35-29-080-0000-1640`

Property Details

APN / Parcel Number

Primary APN	`S-17-35-29-080-0000-1640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,573 sqft Living Area
Gross Area	3,302 sqft
1st Floor Area	2,573 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	155,845 sqft (3.57 acres)
Garage Type	Attached
Garage Area	729 sqft
Driveway	Driveway
Driveway Area	575 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	348 sqft
Porch	Open Porch
Patio Area	1,071 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4087 CAMP SHORE DR
City	SEBRING
State	FL
Zip	33875-6260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	HIGHLAND LAKES RESERVE PB 16 PG 96 LOT 164
Legal Range	29E
Legal Township	35S
Legal Section	17
Legal Subdivision	HIGHLAND LAKES RESERVE
Legal Lot Number	164
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2026
Census Tract	961304

Owner

4087 Camp Shore Dr is owned by a company that bought it in June 2023 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND NATIONAL BANK
Jun 20, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 17, 2020	Warranty Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2023 · Amount on File
Deed Sale	Jun 20, 2023 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	20232156548
Deed Book / Page	2982 / 99
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002020259
Date	Feb 22, 2021
Book Page	2803/1473
Instrument	2020259

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2022

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 20, 2023
Property Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260
Document Number	0002156548
Book / Page	2982 / 99
Map Reference	MB 16 PG 96
Instrument Date	Jun 16, 2023
Instrument	2156548
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260

Mortgage

Document Number	0002982101
Date	Jun 20, 2023
Instrument	2982/101

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 17, 2020
Property Address	4087 CAMP SHORE DR, SEBRING, FL 33875-6260
Document Number	0001999215
Book / Page	002773 / 001231
Instrument Date	Sep 12, 2020
Instrument	1999215
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2689 SW TRAILSIDE PATH STUART FL 349979015, STUART, FL 34997-9015

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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		$628,586	$642,741 Land $128,880 Building $513,861
2024	$11,439.00 (+10.67%)
2023	$10,336.00 (+757.05%) Homeowner's exemption	$546,998 (+730.4%) Land $77,328 Building $469,670	$546,998 (+730.4%) Land $77,328 Building $469,670
2022	$1,206.00	$65,872 Land $65,872	$65,872 Land $65,872

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4087 Camp Shore Dr in Zone X, an area of minimal flood risk.

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 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force

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 4087 Camp Shore Dr is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rapid Systems Fixed Wireless	50 / 10

May also be available: CenturyLink, Conexon Connect, Xfinity.

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