5128 Moss Hammock Trl, Sebring, FL 33872 Property Records

Highlands County property record for 5128 Moss Hammock Trl, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,874 sqft · built 2023
Lot Size	0.376 acres (16,361 sqft)
Owner	2 Individual Names on File
Last Sale	$342,200 (Aug 2023)
Tax Bill	$4,387 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-34-34-28-100-0000-0010`

Property Details

APN / Parcel Number

Primary APN	`C-34-34-28-100-0000-0010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,874 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,361 sqft (0.376 acres)
Lot Dimensions	150 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	412 sqft
Driveway	Driveway
Driveway Area	736 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5128 MOSS HAMMOCK TRL
City	SEBRING
State	FL
Zip	33872-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MOSS HAMMOCK PB 16 PG 88 LOT 1
Legal Range	28E
Legal Township	34S
Legal Section	34
Legal Subdivision	MOSS HAMMOCK
Legal Lot Number	1
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4023
Census Tract	960602

Owner

5128 Moss Hammock Trl is owned and occupied by two individuals who bought it in August 2023.

Source: Highlands County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5128 MOSS HAMMOCK TRL, SEBRING, FL 33872-4412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 28, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC
Apr 24, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIME MERIDIAN BANK
Sep 2, 2020	Warranty Deed, Construction Loan · Construction Mortgage FLORIDA CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on File
Deed Sale	Aug 28, 2023 · Amount on File
Prior Sale	Apr 24, 2023 · Amount on File
Deed Document Number	20232166162
Deed Book / Page	2994 / 1401
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Aug 28, 2023
Property Address	5128 MOSS HAMMOCK TRL, SEBRING, FL 33872-4412
Document Number	0002166162
Book / Page	2994 / 1401
Map Reference	MB 16 PG 88
Instrument Date	Aug 22, 2023
Instrument	2166162
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 30, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,395.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 MOSS HAMMOCK TRL, SEBRING, FL 33872-4412

Mortgage

Document Number	0029941404
Date	Aug 28, 2023
Instrument	2994/1404

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 24, 2023
Property Address	5128 MOSS HAMMOCK TRL, SEBRING, FL 33872-4412
Document Number	0002147214
Book / Page	2970 / 171
Map Reference	MB 16 PG 88
Instrument Date	Apr 19, 2023
Instrument	2147214
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$241.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1952 E EDGEWOOD DR # 100, 100, LAKELAND, FL 33803-3471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Mortgage

Document Number	0002970172
Date	Apr 24, 2023
Instrument	2970/172

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 2, 2020
Property Address	5128 MOSS HAMMOCK TRL, SEBRING, FL 33872-4412
Document Number	0001997272
Book / Page	2770 / 1730
Map Reference	MB 16 PG 88
Instrument Date	Aug 27, 2020
Instrument	1997272
Transaction Type	Construction Loan
Record Updated	Dec 17, 2021
Title Company	ESTATE TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,770.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2515 PAR LN, 2515, SEBRING, FL 33872-1242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1952 E EDGEWOOD DR # 100, 100, LAKELAND, FL 33803-3471
Investor	Possibly a Property Investor

Mortgage

Document Number	0027701731
Date	Sep 2, 2020
Instrument	2770/1731

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5128 Moss Hammock Trl was $4,387, up 3.3% from the year before.

Source: Highlands County assessment roll, as of December 10, 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	$4,387.00 (+3.3%)	$303,838 Land $30,000 Building $273,838	$303,838 Land $30,000 Building $273,838
2024	$4,247.00 (+492.33%)
2023	$717.00 (+90.69%)	$30,000 (-) Land $30,000	$30,000 (-) Land $30,000
2022	$376.00	$30,000 Land $30,000	$30,000 Land $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5128 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 5128 Moss Hammock Trl is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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