6454 Oneal Rd, Sebring, FL 33876 Property Records

Highlands County property record for 6454 Oneal Rd, Sebring, FL 33876

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 3,289 sqft · built 1999
Lot Size	2.07 acres (90,303 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (May 2026)
Tax Bill	$3,012 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C-12-35-30-A00-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`C-12-35-30-A00-0010-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	3,289 sqft Living Area
1st Floor Area	2,238 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	90,303 sqft (2.07 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	2,491 sqft
Deck Area	Deck Area
Patio Area	690 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6454 ONEAL RD
City	SEBRING
State	FL
Zip	33876-9642
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AU
Legal Description	A TRI TR IN NW COR OF GOV LOT 10 N OF US 98 HWY IN SEC 12-LESS RD R/W 12-35-30/1 1.85 ACRES
Legal Range	30E
Legal Township	35S
Legal Section	12
Legal Lot Number	10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2000
Census Tract	961000

Owner

Source: Highlands County records, as of May 11, 2026

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	6454 ONEAL RD, SEBRING, FL 33876-9642
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORPORATION
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
May 16, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Sep 21, 2023 · Amount on Record
Deed Document Number	20262311371
Deed Book / Page	3190 / 732
Prior Transfer Date	Oct 18, 2005
Prior Transfer Doc	0001355112
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 1, 2026
Property Address	6454 ONEAL RD, SEBRING, FL 33876-9642
Document Number	0002311371
Book / Page	3190 / 732
Instrument Date	Apr 30, 2026
Instrument	2026.2311371
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	SUPERIOR TITLE AND CLOSINGS LLC, SUPERIOR TITLE & CLOSINGS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6454 ONEAL RD, SEBRING, FL 33876-9642

Mortgage

Document Number	0002311372,
Date	May 1, 2026
Instrument	2026.2311372

Lender

Name	LEADER ONE FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 21, 2023
Property Address	6454 ONEAL RD, SEBRING, FL 33876-9642
Document Number	0002170341
Book / Page	3000 / 119
Instrument Date	Sep 6, 2023
Instrument	2170341
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	ARCADIA ABSTRACT AND TITLE COMPANY IN, ARCADIA ABSTRACT & TTL CO IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,653.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3317 WHITE OAK RD, LORIDA, FL 33857-9409

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6454 ONEAL RD, SEBRING, FL 33876-9642

Mortgage

Document Number	0003000121
Date	Sep 21, 2023
Instrument	3000/121

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	May 17, 2022
Property Address	6454 ONEAL RD, SEBRING, FL 33876-9642
Document Number	0002094162
Book / Page	2905 / 1005
Instrument Date	Apr 26, 2022
Instrument	2094162
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6454 ONEAL RD, 6454, SEBRING, FL 33876-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6454 ONEAL RD, SEBRING, FL 33876-9642

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	May 16, 2022
Property Address	6454 ONEAL RD, SEBRING, FL 33876-9642
Document Number	0002093921
Book / Page	2905 / 411
Instrument Date	Apr 26, 2022
Instrument	2093921
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6454 ONEAL RD, 6454, SEBRING, FL 33876-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6454 ONEAL RD, SEBRING, FL 33876-9642

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		$224,403 (+16.72%) Land $26,362 Building $198,041	$224,403 (+16.72%) Land $26,362 Building $198,041
2024	$3,012.00 (-0.17%)
2023	$3,017.00 (+316.71%)	$192,253 (+177.44%) Land $21,969 Building $170,284	$192,253 (+11.95%) Land $21,969 Building $170,284
2022	$724.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$69,296	$171,732 Land $21,969 Building $149,763

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

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 90 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	20 (2002–2023)
Claims Outside the SFHA	3 of 20
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims Hurricane Frances, Sep 2004 · 6 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	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: Xfinity.

Nearby Properties on Oneal Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures