Highlands County property record for 434 Moon Ranch Rd, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,394 sqft · built 1999 |
| Lot Size | 3.44 acres (149,846 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,296 (2024) |
| Deeds & Mortgages | Dec 2018 Loan Modification Dec 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-35-34-29-020-0030-0000 |
| Primary APN | C-35-34-29-020-0030-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,394 sqft Living Area |
| 1st Floor Area | 3,835 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 149,846 sqft (3.44 acres) |
| Lot Dimensions | 600 ft deep x 250 ft wide |
| Garage Type | Finished |
| Garage Area | 756 sqft |
| Driveway | Driveway |
| Driveway Area | 2,100 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 349 sqft |
| Patio Area | 1,000 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 434 MOON RANCH RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33870-9757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | LONGWOOD SUB PB 13 PG 37 LOT 3 3.44 ACRES |
| Legal Range | 29E |
| Legal Township | 34S |
| Legal Section | 35 |
| Legal Subdivision | LONGWOOD SUB |
| Legal Lot Number | 3 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 961000 |
434 Moon Ranch Rd is owned and occupied by two individuals who acquired it in September 2016.
Source: Highlands County records, as of December 12, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 24, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI |
| Dec 24, 2018 | Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Dec 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2016 |
| Deed Sale | Sep 17, 2016 |
| Prior Sale | Apr 14, 2016 · Amount on File |
| Deed Document Number | 0025421340 |
| Deed Book / Page | 2523 / 0866 |
| Prior Transfer Date | Aug 24, 2016 |
| Prior Transfer Doc | 1824830 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 434 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0001923008 |
| Instrument Date | Dec 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 434 MOON RANCH RD SEBRING FL 338709757, SEBRING, FL 33870-9757 |
| Document Number | 0001923008 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 002671/000002 |
| Instrument | 1923008 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 25, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 434 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0001923649 |
| Instrument Date | Dec 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 434 MOON RANCH RD SEBRING FL 338709757, SEBRING, FL 33870-9757 |
| Document Number | 0001923649 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 002671/001586 |
| Instrument | 1923649 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 434 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0001892011 |
| Instrument Date | Dec 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 434 MOON RANCH RD SEBRING FL 338709757, SEBRING, FL 33870-9757 |
| Document Number | 0001892011 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 002630/000617 |
| Instrument | 1892011 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2048 |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $334,154 | $555,284 Land $68,800 Building $486,484 | |
| 2024 | $4,296.00 (+1.95%) | ||
| 2023 | $4,214.00 (+1.13%) Homeowner's exemption | $315,279 (+3%) | $559,016 (+16.72%) Land $46,440 Building $512,576 |
| 2022 | $4,167.00 Homeowner's exemption | $306,096 | $478,918 Land $39,560 Building $439,358 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 434 Moon Ranch Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 2002.
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 90 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 90 in force |
| Nearby Flood Claims | 20 (2002–2023) |
| Claims Outside the SFHA | 3 of 20 |
| Most Recent Claim | Sep 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 434 Moon Ranch Rd is moderate, ranking above 63% 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 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Rapid Systems Fixed Wireless | 50 / 10 |
| CenturyLink DSL | 40 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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