Highlands County property record for 440 Moon Ranch Rd, Sebring, FL 33870
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,006 sqft · built 1986 |
| Lot Size | 3.44 acres (149,846 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,276 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C354902000200000 |
| Primary APN | C354902000200000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,006 sqft Living Area |
| 1st Floor Area | 1,633 sqft |
| Attic Area | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1998 |
| 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 |
| Driveway | Driveway |
| Driveway Area | 625 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 430 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C354902000200000 |
|---|---|
| Street Address | 440 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 2 -3.44 ACRES- |
| Legal Range | 29E |
| Legal Township | 34S |
| Legal Section | 35 |
| Legal Subdivision | LONGWOOD SUB |
| Legal Lot Number | 2 3 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 961000 |
Source: Highlands County records, as of December 12, 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 Record |
|---|---|
| Mailing Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2022 | Deed of Trust, Mortgage · VA Mortgage METROPLEX MORTGAGE SERVICES INC |
| Mar 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Nov 18, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2025 |
| Deed Sale | Jan 30, 2025 |
| Prior Sale | Jan 27, 2015 |
| Deed Document Number | 0030961087 |
| Deed Book / Page | 2723 / 1305 |
| Prior Transfer Date | Nov 18, 2019 |
| Prior Transfer Doc | 1964075 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0002083175 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 2891/752 |
| Instrument | 2083175 |
| Name | METROPLEX MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33614 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0002025103 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 2810/546 |
| Instrument | 2025103 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 440 MOON RANCH RD, SEBRING, FL 33870-9757 |
| Document Number | 0001964075 |
| Book / Page | 002723 / 001305 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 1964075 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 MOON RANCH RD SEBRING FL 338709757, SEBRING, FL 33870-9757 |
| Document Number | 1964076 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 002723/001307 |
| Instrument | 1964076 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2049 |
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 | $290,475 (+62.4%) Land $68,800 Building $221,675 | $290,475 (+3.72%) Land $68,800 Building $221,675 | |
| 2024 | $2,276.00 (+2.29%) | ||
| 2023 | $2,225.00 (+1.55%) Homeowner's exemption | $178,868 (+3%) | $280,057 (+17.13%) Land $46,440 Building $233,617 |
| 2022 | $2,191.00 Homeowner's exemption | $173,658 | $239,105 Land $39,560 Building $199,545 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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