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8020 Co Rd 635, Sebring, FL 33875 Property Records

Highlands County property record for 8020 Co Rd 635, Sebring, FL 33875

Property Summary

Property TypeRural Home
Details4 bd · 5 ba · 7,593 sqft · built 2018
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on Record
Last Sale$950,000 (Jul 2022)
Tax Bill$6,878 (2024)
Deeds & MortgagesJul 2023 Mortgage
Jul 2022 Sale
+ 5 more
Flood ZoneZone X (minimal risk)
APNC0358A0000200000

Property Details

APN / Parcel Number

Primary APNC0358A0000200000
Alternative APN
  • C-03-35-28-A00-0020-0000

Interior

Bedrooms4 Beds
Full Baths5 Baths
Plumbing Fixtures15 Plumbing Fixtures
Stories1 Story
Building Area7,593 sqft Living Area
1st Floor Area672 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area217,800 sqft (5 acres)
Garage TypeFinished
Garage Area672 sqft
DrivewayDriveway
Driveway Area1,500 sqft
PorchOpen Porch
Porch Area1,036 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC0358A0000200000
Street Address8020 COUNTY ROAD 635
CitySEBRING
StateFL
Zip33875-4728
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeAU
Legal DescriptionN 365 FT OF S 1329.5 FT OF W 646.72 FT OF S 1/2 OF SW 1/4 LESS W 50 FT RD R/W 5 ACRES 3-35-28/2
Legal Range28E
Legal Township35S
Legal Section03
JurisdictionHIGHLANDS FL
Township / Civil DivisionSEBRING
Census Block Group3
Census Block3012
Census Tract961301

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2023Deed of Trust, Mortgage · Commercial Mortgage
HEARTLAND NATIONAL BANK
Jul 15, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 15, 2018Deed of Trust, Mortgage · Commercial Mortgage
HEARTLAND NATIONAL BANK
Oct 10, 2020Loan Modification, Mortgage
HEARTLAND NAT'L BK
Oct 10, 2019Loan Modification, Mortgage
HEARTLAND NAT'L BK
Oct 10, 2018Loan Modification, Mortgage
HEARTLAND NAT'L BK
Jan 11, 2018Trustee's Deed, Construction Loan · Construction Mortgage
HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 15, 2022 · Amount on Record
Deed SaleJul 15, 2022 · Amount on Record
Prior SaleNov 1, 2016 · Amount on Record
Deed Document Number2105237
Deed Book / Page2919 / 291
Record UpdatedJun 8, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Transaction TypeMortgage
Record UpdatedJan 30, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address5022 S HAMMOCK RD, ZOLFO SPRINGS, FL 33890-6704

Mortgage

Document Number0002160956
DateJul 20, 2023
Book Page2987/1869
Instrument2160956
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term12 Months
DueJul 18, 2024

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateJul 15, 2022
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Document Number0002105237
Book / Page2919 / 291
Instrument DateJul 14, 2022
Instrument2105237
Transaction TypeTransfer
Record UpdatedJan 30, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$6,650.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728

Transferred To (Grantee/Buyer)

NameVerified Name
Address5022 S HAMMOCK RD, ZOLFO SPRINGS, FL 33890-6704

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001914637
DateOct 15, 2018
Book Page2660/0342
Instrument1914637
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term12 Months
DueOct 10, 2019
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Document Number0002004344
Instrument DateOct 10, 2020
Transaction TypeMortgage
Record UpdatedNov 17, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8020 COUNTY ROAD 635 SEBRING FL 338754728, SEBRING, FL 33875-4728

Mortgage

Document Number0002004344
DateOct 28, 2020
Book Page002780/001685
Instrument2004344
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
Term12 Months
DueOct 27, 2021

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Document Number0001963724
Instrument DateOct 10, 2019
Transaction TypeMortgage
Record UpdatedNov 26, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8020 COUNTY ROAD 635 SEBRING FL 338754728, SEBRING, FL 33875-4728

Mortgage

Document Number0001963724
DateNov 14, 2019
Book Page002723/000228
Instrument1963724
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
Term12 Months
DueNov 13, 2020

October 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Document Number0001914565
Instrument DateOct 10, 2018
Transaction TypeMortgage
Record UpdatedOct 26, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8020 COUNTY ROAD 635 SEBRING FL 338754728, SEBRING, FL 33875-4728

Mortgage

Document Number0001914565
DateOct 15, 2018
Book Page002660/000196
Instrument1914565
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
AmountAmount Recorded
Term180 Months
DueOct 14, 2033
Interest
Rate TypeFixed Rate
Rate4.37%

January 2018: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionHIGHLANDS FL
Recording DateJan 11, 2018
Property Address8020 COUNTY ROAD 635, SEBRING, FL 33875-4728
Book / Page002616 / 000001
Instrument DateJan 9, 2018
Instrument1879956
Transaction TypeConstruction Loan
Record UpdatedJan 19, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2002 GARDENIA AVE SEBRING FL 338758023, SEBRING, FL 33875-8023

Mortgage

Document Number0001879956
DateJan 11, 2018
Book Page002616/000001
Instrument1879956
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJan 10, 2019

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$519,252 (+6%) Land $74,280 Building $444,972$761,924 (+20.63%)
2024$6,878.00 (+1.78%)
2023$6,758.00 (+30.74%) Homeowner's exemption$489,876 (+33.98%)$631,633 (+33.76%)
2022$5,169.00 Homeowner's exemption$365,627$472,198

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies12 in force

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 RiskHigh
above 80% of the US · above 69% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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 1 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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