5800 Cardinal Ct, Sebring, FL 33876 Property Records

Highlands County property record for 5800 Cardinal Ct, Sebring, FL 33876

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,147 sqft · built 1989
Lot Size	1.77 acres (77,301 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2024)
Tax Bill	$3,106 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C-15-35-30-060-0KK0-0140`

Property Details

APN / Parcel Number

Primary APN	`C-15-35-30-060-0KK0-0140`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	4,147 sqft Living Area
1st Floor Area	3,379 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	77,301 sqft (1.77 acres)
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	1,216 sqft
Deck Area	472 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	5800 CARDINAL CT
City	SEBRING
State	FL
Zip	33876-0404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPRING LAKE VILLAGE VI PB 10 PG 21 LOT 14 BLK KK + SPRING LAKE VILLAGE IX PB 11 PG 9 A PORT OF THE AREA KNOWN AS DRAINAGE + MAINTENANCE AREA ADJ TO REAR LOT LINES OF LOT 14 BLK KK SPRING LAKE VILLAGE VI PB 10-21
Legal Range	30E
Legal Township	35S
Legal Section	15
Legal Subdivision	SPRING LAKE VILL 06
Legal Block	KK
Legal Lot Number	14
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4039
Census Tract	961000

Owner

5800 Cardinal Ct is owned and occupied by two individuals who bought it in March 2024.

Source: Highlands County records, as of May 21, 2026

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	2 Individual Names on File
Mailing Address	5800 CARDINAL CT, SEBRING, FL 33876-0404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2024 · Amount on File
Deed Sale	Mar 4, 2024 · Amount on File
Prior Sale	Jul 1, 2005 · Amount on File
Deed Document Number	20242192446
Deed Book / Page	3029 / 164
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Apr 7, 2026
Property Address	5800 CARDINAL CT, SEBRING, FL 33876-0404
Document Number	0002307273
Book / Page	3184 / 1025
Instrument Date	Mar 13, 2026
Instrument	20262307273
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5800 CARDINAL CT, SEBRING, FL 33876-0404
Investor	Possibly a Property Investor

Mortgage

Document Number	0002307273,
Date	Apr 7, 2026
Book Page	3184/1025
Instrument	20262307273

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 4, 2024
Property Address	5800 CARDINAL CT, SEBRING, FL 33876-0404
Document Number	0002192446
Book / Page	3029 / 164
Map Reference	MB 10 PG 21
Instrument Date	Mar 1, 2024
Instrument	2192446
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	359 BELLE GROVE ST, LAKE PLACID, FL 33852-2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5800 CARDINAL CT, SEBRING, FL 33876-0404

Mortgage

Document Number	0003029166
Date	Mar 4, 2024
Instrument	3029/166

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

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		$409,551 Land $45,000 Building $364,551	$409,551 Land $45,000 Building $364,551
2024	$3,106.00 (+4.86%)
2023	$2,962.00 (+0.07%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$188,449 (+3%)	$401,968 (+14.62%) Land $45,000 Building $356,968
2022	$2,960.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$182,960	$350,689 Land $35,000 Building $315,689

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5800 Cardinal Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2017–2022)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 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 5800 Cardinal Ct is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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