5114 Oak Rd, Sebring, FL 33875 Property Records

Highlands County property record for 5114 Oak Rd, Sebring, FL 33875 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,834 sqft · built 2023
Lot Size	0.999 acres (43,550 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Jul 2020)
Tax Bill	$7,745 (2024)
Deeds & Mortgages	Apr 2024 Line of Credit Jan 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-24-35-28-080-0100-0320`

Property Details

APN / Parcel Number

Primary APN	`C-24-35-28-080-0100-0320`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,834 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,550 sqft (0.999 acres)
Lot Dimensions	335 ft deep x 130 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	1,920 sqft
Parking Spaces	1 Parking Space
Pool Type	Pool with Hot Tub/Spa
Pool Area	392 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5114 OAK RD
City	SEBRING
State	FL
Zip	33875-8010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGE BLOSSOM EST UNIT 8 PB 6-PG 18 LOT 32 BLK 10
Legal Range	28E
Legal Township	35S
Legal Section	24
Legal Subdivision	ORANGE BLOSSOM EST
Legal Block	10
Legal Lot Number	32
Legal Unit	8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3030
Census Tract	961301

Owner

Source: Highlands County records · APN C-24-35-28-080-0100-0320

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
Mailing Address	5114 OAK RD, SEBRING, FL 33875-8010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK
Jan 05, 2023	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK
Jul 28, 2020	Warranty Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Dec 07, 2018 · Amount on Record
Deed Document Number	1993010
Deed Book / Page	2764 / 1121
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5114 OAK RD, SEBRING, FL 33875-8010
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002200162
Date	Apr 25, 2024
Book Page	3039/361
Instrument	2200162

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5114 OAK RD, SEBRING, FL 33875-8010
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 GRAPEFRUIT AVE 8A, 8A, SEBRING, FL 33870-3522

Mortgage

Document Number	0002131151
Date	Jan 05, 2023
Book Page	2950/1124
Instrument	2131151

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Margin	3
Max Rate	11.5%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 28, 2020
Property Address	5114 OAK RD, SEBRING, FL 33875-8010
Document Number	0001993010
Book / Page	002764 / 001121
Instrument Date	Jul 23, 2020
Instrument	1993010
Transaction Type	Transfer
Record Updated	Aug 05, 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
Address	7 JOHN ST TAMAQUA PA 182524024, TAMAQUA, PA 18252-4024

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$563,303 (+2,350.85%) Land $37,180 Building $526,123	$563,303 (+2,350.85%) Land $37,180 Building $526,123
2024	$7,745.00 (+845.67%)
2023	$819.00 (+65.79%)	$22,984 (-) Land $22,984	$22,984 (-) Land $22,984
2022	$494.00	$22,984 Land $22,984	$22,984 Land $22,984

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559613013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

Wildfire

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	About 1 in 198 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 62 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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