5909 Cardinal Ct, Sebring, FL 33876 Property Records

Highlands County property record for 5909 Cardinal Ct, Sebring, FL 33876

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 1999
Lot Size	0.774 acres (33,750 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Oct 2018)
Tax Bill	$2,388 (2024)
Deeds & Mortgages	May 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-15-35-30-060-0HH0-0070`

Property Details

APN / Parcel Number

Primary APN	`C-15-35-30-060-0HH0-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,753 sqft Living Area
1st Floor Area	1,323 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	33,750 sqft (0.774 acres)
Lot Dimensions	125 ft deep x 135 ft wide
Garage Type	Finished
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	756 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	328 sqft
Patio Area	414 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	5909 CARDINAL CT
City	SEBRING
State	FL
Zip	33876-0403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPRING LAKE VILLAGE VI PB 10-PG 21 LOTS 7 + 8 BLK HH
Legal Range	30E
Legal Township	35S
Legal Section	15
Legal Subdivision	SPRING LAKE VILL 06
Legal Block	HH
Legal Lot Number	7-8 8
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	4
Census Block	4041
Census Tract	961000

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	5909 CARDINAL CT, SEBRING, FL 33876-0403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC
Oct 12, 2018	Warranty Deed, Transfer · Conventional Mortgage WEI MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Jun 21, 2012 · Amount on Record
Deed Document Number	1914425
Deed Book / Page	2659 / 1762
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	5909 CARDINAL CT, SEBRING, FL 33876-0403
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	HEARTLAND TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CARDINAL CT, SEBRING, FL 33876-0403

Mortgage

Document Number	0002034870
Date	May 18, 2021
Book Page	2824/525
Instrument	2034870

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 12, 2018
Property Address	5909 CARDINAL CT, SEBRING, FL 33876-0403
Document Number	0001914425
Book / Page	2659 / 1762
Map Reference	MB10 PG21
Instrument Date	Oct 9, 2018
Instrument	1914425
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	HEARTLAND TITLE INS AGCY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 CARDINAL CT, SEBRING, FL 33876-0403

Mortgage

Document Number	0001914426
Date	Oct 12, 2018
Instrument	1914426

Lender

Name	WEI MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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		$148,624 (+5.99%)	$239,616 (+1.04%) Land $30,000 Building $209,616
2024	$2,388.00 (+4.78%)
2023	$2,279.00 (+2.15%) Homeowner's exemption	$140,228 (+3%)	$237,151 (+15.14%) Land $30,000 Building $207,151
2022	$2,231.00 Homeowner's exemption	$136,144	$205,968 Land $22,000 Building $183,968

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% 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	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 119 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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