5321 Surrey Ln, Sebring, FL 33875 Property Records

Highlands County property record for 5321 Surrey Ln, Sebring, FL 33875

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,969 sqft · built 2006
Lot Size	0.052 acres (2,290 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (May 2019)
Tax Bill	$2,186 (2024)
Deeds & Mortgages	May 2022 Mortgage Jun 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C-09-35-28-200-0040-00B0`

Property Details

APN / Parcel Number

Primary APN	`C-09-35-28-200-0040-00B0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,969 sqft Living Area
1st Floor Area	1,620 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,290 sqft (0.052 acres)
Garage Type	Finished
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	255 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5321 SURREY LN
City	SEBRING
State	FL
Zip	33875-4727
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3FUD
Legal Description	COUNTRY CLUB DOWNS UNREC BUILDING 4 UNIT B + INT IN COMMON AREA
Legal Range	28E
Legal Township	35S
Legal Section	09
Legal Subdivision	COUNTRY CLUB DOWNS
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	3
Census Block	3026
Census Tract	961301

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5321 SURREY LN, SEBRING, FL 33875-4727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 1, 2020	Loan Modification, Mortgage HEARTLAND NAT'L BK
May 13, 2019	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Jul 29, 2016 · Amount on Record
Deed Document Number	1940047
Deed Book / Page	2692 / 0385
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5321 SURREY LN, SEBRING, FL 33875-4727
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002091045
Date	May 2, 2022
Book Page	2901/1770
Instrument	2091045

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	5321 SURREY LN, SEBRING, FL 33875-4727
Document Number	0001991961
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5321 SURREY LN SEBRING FL 338754727, SEBRING, FL 33875-4727

Mortgage

Document Number	0001991961
Date	Jul 17, 2020
Book Page	002763/000045
Instrument	1991961

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jul 16, 2021

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 13, 2019
Property Address	5321 SURREY LN, SEBRING, FL 33875-4727
Document Number	0001940047
Book / Page	2692 / 0385
Map Reference	MB 1838 PG 136
Instrument Date	May 10, 2019
Instrument	1940047
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,211.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2470 N ORANGEWOOD ST, 2470, AVON PARK, FL 33825-7893

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ELEANOR CT, LAKE PLACID, FL 33852-9267

Mortgage

Document Number	0001940048
Date	May 13, 2019
Instrument	1940048

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2020

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		$182,425 (+5.99%)	$240,536 (+17.41%) Land $8,500 Building $232,036
2024	$2,186.00 (+2.39%)
2023	$2,135.00 (+7.56%) Homeowner's exemption	$172,120 (+8.42%)	$204,866 (+13.11%) Land $6,000 Building $198,866
2022	$1,985.00 Homeowner's exemption	$158,752	$181,120 Land $6,000 Building $175,120

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

Flood

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 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

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

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

Wildfire Risk	High above 89% of the US · above 82% of Florida
Wildfire Likelihood	1% 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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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