Highlands County property record for 6600 Oneal Rd, Sebring, FL 33876 · Last verified December 2025
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 5 ba · 9,904 sqft · built 2000 |
| Lot Size | 229 acres (10,012,702 sqft) |
| Owner | Individual Name on File |
| Last Sale | $3,100,000 (Aug 2022) |
| Tax Bill | $10,169 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jun 2020 Loan Modification + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | C-03-35-30-A00-0020-0000 |
| Primary APN | C-03-35-30-A00-0020-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 9,904 sqft Living Area |
| 1st Floor Area | 3,536 sqft |
| Upper Floors Area | 1,472 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 10,012,702 sqft (229 acres) |
| Garage Type | Finished |
| Garage Area | 720 sqft |
| Driveway | Driveway |
| Driveway Area | 544 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Enclosed Porch |
| Porch Area | 1,460 sqft |
| Deck Area | 104 sqft |
| Patio Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 936 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 6600 ONEAL RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | ALL S OF RR + E OF ARBUCKLE CREEK 3-35-30/2 235.85 AC |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 03 |
| Legal Subdivision | WEST ARBUCKLE CREEK |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 961000 |
Source: Highlands County records · APN C-03-35-30-A00-0020-0000
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 09, 2020 | Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK |
| Mar 19, 2020 | Loan Modification, Mortgage WAUCHULA ST BK |
| Jun 08, 2017 | Loan Modification, Mortgage WAUCHULA ST BK |
| Mar 19, 2017 | Loan Modification, Mortgage WAUCHULA ST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 02, 2022 · Amount on Record |
| Deed Sale | Aug 02, 2022 · Amount on Record |
| Prior Sale | Mar 30, 2004 · Amount on Record |
| Deed Document Number | 2108166 |
| Deed Book / Page | 2922 / 1373 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 02, 2022 |
| Property Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Document Number | 0002108166 |
| Book / Page | 2922 / 1373 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 2108166 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | FLAGSHIP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6600 ONEAL RD, 6600, SEBRING, FL 33876-9601 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 176 HARBORVIEW DR, TAVERNIER, FL 33070-2663 |
| Document Number | 0029221375 |
|---|---|
| Date | Aug 02, 2022 |
| Instrument | 2922/1375 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Aug 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.25% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Document Number | 0001989542 |
| Instrument Date | Jun 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6600 ONEAL RD SEBRING FL 338769601, SEBRING, FL 33876-9601 |
| Document Number | 0001989542 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 002759/000375 |
| Instrument | 1989542 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | LAKE PLACID, FL 33852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 23, 2030 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Document Number | 0001980790 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6600 ONEAL RD SEBRING FL 338769601, SEBRING, FL 33876-9601 |
| Document Number | 0001980790 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 002745/001660 |
| Instrument | 1980790 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | LAKE PLACID, FL 33852 |
| Amount | Amount Recorded |
|---|---|
| Term | 144 Months |
| Due | Mar 26, 2032 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Document Number | 0001856823 |
| Book / Page | 002586 / 000473 |
| Instrument Date | Jun 08, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6600 ONEAL RD SEBRING FL 338769601, SEBRING, FL 33876-9601 |
| Document Number | 0001856823 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 002586/000473 |
| Instrument | 1856823 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | LAKE PLACID, FL 33852 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Jun 21, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 6600 ONEAL RD, SEBRING, FL 33876-9601 |
| Document Number | 0001849536 |
| Book / Page | 002575 / 001593 |
| Instrument Date | Mar 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6600 ONEAL RD SEBRING FL 338769601, SEBRING, FL 33876-9601 |
| Document Number | 0001849536 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 002575/001593 |
| Instrument | 1849536 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | 102 E INTERLAKE BLVD, LAKE PLACID, FL 33852-9577 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Apr 12, 2020 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $699,862 (+3.6%) Land $56,736 Building $643,126 | $2,228,867 (+2.85%) | |
| 2024 | $10,169.00 (+0.16%) | ||
| 2023 | $10,153.00 (+30.87%) | $675,559 (+18.51%) Land $47,072 Building $628,487 | $2,167,081 (+239.22%) |
| 2022 | $7,758.00 | $570,027 Land $55,432 Building $514,595 | $638,839 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559610002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 90 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 181 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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