5614 Oak Cir, Sebring, FL 33870 Property Records

Highlands County property record for 5614 Oak Cir, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,244 sqft · built 1984
Lot Size	0.645 acres (28,125 sqft)
Owner	Individual Name on Record
Tax Bill	$1,244 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C-09-35-29-040-0000-0450`

Property Details

APN / Parcel Number

Primary APN	`C-09-35-29-040-0000-0450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	1 Room
Stories	1 Story
Building Area	3,244 sqft Living Area
1st Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	28,125 sqft (0.645 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	312 sqft
Driveway	Driveway
Driveway Area	340 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	305 sqft
Porch	Open Porch
Porch Area	227 sqft
Patio Area	715 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5614 OAK CIR
City	SEBRING
State	FL
Zip	33870-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING OAKS PB 7-PG 40 LOTS 45 + 46 + 47
Legal Range	29E
Legal Township	35S
Legal Section	09
Legal Subdivision	SEBRING OAKS
Legal Lot Number	45-47 46
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1016
Census Tract	961303

Owner

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	5614 OAK CIR, SEBRING, FL 33870-8829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Sep 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2019
Deed Sale	Feb 27, 2019
Prior Sale	Jan 31, 2006 · Amount on Record
Deed Document Number	0026791262
Deed Book / Page	1939 / 1352
Prior Transfer Date	Sep 1, 2017
Prior Transfer Doc	1864807
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5614 OAK CIR, SEBRING, FL 33870-8829
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002083301
Date	Mar 17, 2022
Book Page	2891/1143
Instrument	2083301

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	96 Months
Due	Mar 15, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 1, 2017
Property Address	5614 OAK CIR, SEBRING, FL 33870-8829
Document Number	0001864807
Book / Page	002597 / 000993
Instrument Date	Aug 31, 2017
Instrument	1864807
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5614 OAK CIR SEBRING FL 338708829, SEBRING, FL 33870-8829

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		$171,262 (+59.79%)	$277,546 (+22.55%) Land $31,500 Building $246,046
2024	$1,244.00 (+0.08%)
2023	$1,243.00 (-1.89%) Homeowner's exemption Widower's exemption	$107,178 (+3%)	$226,477 (+16.9%) Land $20,250 Building $206,227
2022	$1,267.00 Homeowner's exemption Widower's exemption	$104,056	$193,738 Land $18,000 Building $175,738

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 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 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	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEEANN LAKEFRONT ESTATES private · serves 130 people · EPA ID FL6284097
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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