5092 Moss Hammock Trl, Sebring, FL 33872 Property Records

Highlands County property record for 5092 Moss Hammock Trl, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,237 sqft · built 2018
Lot Size	0.379 acres (16,544 sqft)
Owner	2 Individual Names on File
Last Sale	$22,400 (Aug 2017)
Tax Bill	$2,568 (2024)
Deeds & Mortgages	May 2018 Loan Modification Oct 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-34-34-28-100-0000-0100`

Property Details

APN / Parcel Number

Primary APN	`C-34-34-28-100-0000-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,237 sqft Living Area
Flooring	Slate
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	16,544 sqft (0.379 acres)
Garage Type	Finished
Garage Area	547 sqft
Driveway	Driveway
Driveway Area	810 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5092 MOSS HAMMOCK TRL
City	SEBRING
State	FL
Zip	33872-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MOSS HAMMOCK PB 16 PG 88 LOT 10
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	MOSS HAMMOCK
Legal Lot Number	10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4023
Census Tract	960602

Owner

5092 Moss Hammock Trl is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5092 MOSS HAMMOCK TRL, SEBRING, FL 33872-4414
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
May 16, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFLORIDA CU
Oct 9, 2017	Trustee's Deed, Construction Loan · Construction Mortgage MIDFLORIDA CU ISAOA
Aug 7, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Deed Document Number	1861817
Deed Book / Page	2593 / 0050
Record Updated	Jun 8, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	5092 MOSS HAMMOCK TRL, SEBRING, FL 33872-4414
Document Number	0001899589
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5092 MOSS HAMMOCK TRL SEBRING FL 338724414, SEBRING, FL 33872-4414

Mortgage

Document Number	0001899589
Date	Jun 11, 2018
Book Page	002639/002000
Instrument	1899589

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 10, 2033

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 9, 2017
Property Address	5092 MOSS HAMMOCK TRL, SEBRING, FL 33872-4414
Book / Page	002601 / 000946
Instrument Date	Sep 29, 2017
Instrument	1867894
Transaction Type	Construction Loan
Record Updated	Oct 30, 2017
Title Company	MIDFLORIDA TITLE PROFESSIONALS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1609 BERRY LN SEBRING FL 338704800, SEBRING, FL 33870-4800

Mortgage

Document Number	0001867894
Date	Oct 9, 2017
Book Page	002601/000946
Instrument	1867894

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 8, 2032

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 7, 2017
Property Address	5092 MOSS HAMMOCK TRL, SEBRING, FL 33872-4414
Document Number	0001861817
Book / Page	002593 / 000050
Instrument Date	Aug 1, 2017
Instrument	1861817
Transaction Type	Transfer
Record Updated	Aug 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$156.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3034 LOST BALL DR SEBRING FL 338724148, SEBRING, FL 33872-4148

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		$210,618	$284,110 Land $30,000 Building $254,110
2024	$2,568.00 (+2.19%)
2023	$2,513.00 (+1.45%) Homeowner's exemption	$198,720 (+3%)	$296,514 (+10.09%) Land $30,000 Building $266,514
2022	$2,477.00 Homeowner's exemption	$192,932	$269,333 Land $30,000 Building $239,333

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5092 Moss Hammock Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims

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 5092 Moss Hammock Trl is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.6% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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