675 Moon Ranch Rd, Sebring, FL 33870 Property Records

Highlands County property record for 675 Moon Ranch Rd, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,653 sqft · built 1999
Lot Size	2.03 acres (88,556 sqft)
Owner	Individual Name on Record
Last Sale	$90,700 (Oct 2016)
Tax Bill	$1,661 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C015902000000020`

Property Details

APN / Parcel Number

Primary APN	`C015902000000020`
Alternative APN	`C-01-35-29-020-0000-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,653 sqft Living Area
Gross Area	3,229 sqft
1st Floor Area	2,245 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	88,556 sqft (2.03 acres)
Lot Dimensions	350 ft deep x 254 ft wide
Garage Type	Attached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	780 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	675 MOON RANCH RD
City	SEBRING
State	FL
Zip	33870-9479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	MOON RANCH ACRES PB 15 PG 13 LOT 2
Legal Range	29E
Legal Township	35S
Legal Section	01
Legal Subdivision	MOON RANCH ACRES
Legal Lot Number	2
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2008
Census Tract	961000

Owner

Source: Highlands County records, as of December 10, 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	PO BOX 1266, SEBRING, FL 33871-1266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND NATIONAL BANK
Jul 1, 2017	Loan Modification, Mortgage · Conventional Mortgage HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2016 · Amount on Record
Deed Sale	Oct 10, 2016 · Amount on Record
Prior Sale	Jun 29, 2012 · Amount on Record
Deed Document Number	20161829303
Deed Book / Page	2548 / 1577
Prior Transfer Date	Sep 30, 2016
Prior Transfer Doc	0001829303
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	675 MOON RANCH RD, SEBRING, FL 33870-9479
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 MOON RANCH RD, SEBRING, FL 33870-9479

Mortgage

Document Number	0002103880
Date	Jul 7, 2022
Book Page	2917/656
Instrument	2103880

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.75%
Index	1-Year CMT
Margin	3
Max Rate	9.75%

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	675 MOON RANCH RD, SEBRING, FL 33870-9479
Document Number	0001860433
Book / Page	002591 / 000147
Instrument Date	Jul 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	675 MOON RANCH RD SEBRING FL 338709479, SEBRING, FL 33870-9479

Mortgage

Document Number	0001860433
Date	Jul 24, 2017
Book Page	002591/000147
Instrument	1860433

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 23, 2022

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		$136,181 (+5.99%)	$395,831 (-10.3%) Land $43,000 Building $352,831
2024	$1,661.00 (+3.68%)
2023	$1,602.00 (+2.36%) Homeowner's exemption	$128,488 (+3%)	$441,293 (+65.75%) Land $27,000 Building $414,293
2022	$1,565.00 Homeowner's exemption	$124,746	$266,242 Land $23,000 Building $243,242

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 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 71% of the US · above 54% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Rapid Systems Fixed Wireless	50 / 10

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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