Highlands County property record for 416 Oxbow Dr, Sebring, FL 33876 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 2,112 sqft Living Area |
| Lot Size | 16,753 sqft (0.384 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $339,000 (2022) |
| Tax Bill | $4,016.00 (2024) |
| Primary APN | C-15-35-30-060-00Y0-0050 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Building Area | 2,112 sqft Living Area |
| 1st Floor | 1,735 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Concrete Blocks Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 16,753 sqft (0.384 acres) |
| Driveway | 1 Driveway |
| Driveway Area | 1,432 sqft Driveway |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 529 sqft Garage |
| Pool Type | Pool with Hot Tub/Spa Pool Type |
|---|---|
| Pool Area | 209 sqft Pool |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 192 sqft Shed |
| Patio Area | 476 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 150 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 416 OXBOW DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-7432 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE VILLAGE VI PB 10 PG 21 LOT 5 BLK Y |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | SPRING LAKE VILL 06 |
| Legal Block | Y |
| Legal Lot Number | 5 |
| Jurisdiction | HIGHLANDS FL |
| Minor Civil Division | SEBRING |
| Census Blockgroup | 4 |
| Census Block | 4049 |
| Census Tract | 961000 |
Source: Highlands County records · APN C-15-35-30-060-00Y0-0050
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 416 OXBOW DR, SEBRING, FL 33876-7432 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK MICHIGAN |
| Aug 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Feb 24, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage MIDFLORIDA CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Feb 05, 2013 · Amount on Record |
| Deed Doc Number | 2110393 |
| Deed Book / Page | 2925 / 884 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 416 OXBOW DR, SEBRING, FL 33876-7432 |
| Document Number | 0002110393 |
| Book / Page | 2925 / 884 |
| Map Reference | MB 10 PG 21 |
| Instrument Date | Aug 15, 2022 |
| Instrument | 2110393 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2022 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 CLUBHOUSE LN, 14, SEBRING, FL 33876-8300 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 416 OXBOW DR, SEBRING, FL 33876-7432 |
| Document Number | 0002925886 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 2925/886 |
| Name | BANK MICHIGAN |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Sep 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 416 OXBOW DR, SEBRING, FL 33876-7432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001907567 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 2650/1533 |
| Instrument | 1907567 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 416 OXBOW DR, SEBRING, FL 33876-7432 |
| Document Number | 0001977771 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 416 OXBOW DR SEBRING FL 338767432, SEBRING, FL 33876-7432 |
| Document Number | 0001977771 |
|---|---|
| Date | Mar 02, 2020 |
| Book Page | 002741/001672 |
| Instrument | 1977771 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33801 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2050 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $286,473 (+0.64%) Land $15,000 Building $271,473 | $286,473 (+0.64%) Land $15,000 Building $271,473 | |
| 2024 | $4,016.00 (-10.66%) | ||
| 2023 | $4,495.00 (+143.5%) | $284,643 (+121.76%) Land $15,000 Building $269,643 | $284,643 (+13.48%) Land $15,000 Building $269,643 |
| 2022 | $1,846.00 Homeowner's exemption Disabled Person's exemption | $128,357 | $250,839 Land $11,000 Building $239,839 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 463 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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