Highlands County property record for 822 Citroen Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,243 sqft · built 1962 |
| Lot Size | 0.469 acres (20,444 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Aug 2019) |
| Tax Bill | $1,027 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C224802003300120 |
| Primary APN | C224802003300120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,243 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 20,444 sqft (0.469 acres) |
| Lot Dimensions | 125 ft deep x 65 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 597 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C224802003300120 |
|---|---|
| Street Address | 822 CITROEN DR |
| City | SEBRING |
| State | FL |
| Zip | 33872-3129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEBRING COUNTRY EST SEC 2 PB 7-PG 34 LOTS 12 + 13 BLK 33 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 22 |
| Legal Subdivision | SEBRING COUNTRY EST |
| Legal Block | 33 |
| Legal Lot Number | 12-13 13 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 960601 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 822 CITROEN DR, SEBRING, FL 33872-3129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 23, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on Record |
| Deed Sale | Aug 23, 2019 · Amount on Record |
| Prior Sale | Apr 26, 2007 · Amount on Record |
| Deed Document Number | 1953384 |
| Deed Book / Page | 2709 / 0207 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 822 CITROEN DR, SEBRING, FL 33872-3129 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 822 CITROEN DR, SEBRING, FL 33872-3129 |
| Document Number | 0002294413 |
|---|---|
| Date | Jan 8, 2026 |
| Book Page | 3166/1596 |
| Instrument | 2294413 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BARTOW, FL 33831 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year T-Bill |
| Max Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 23, 2019 |
| Property Address | 822 CITROEN DR, SEBRING, FL 33872-3129 |
| Document Number | 0001953384 |
| Book / Page | 2709 / 0207 |
| Map Reference | MB 7 PG 34 |
| Instrument Date | Aug 1, 2019 |
| Instrument | 1953384 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $665.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 822 CITROEN DR, SEBRING, FL 33872-3129 |
| Document Number | 0002709209 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 2709/209 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $91,180 (+12.27%) | $144,550 (+17.05%) Land $37,188 Building $107,362 | |
| 2024 | $1,027.00 (+11.75%) | ||
| 2023 | $919.00 (+3.49%) Homeowner's exemption | $81,214 (+3%) | $123,499 (+18.16%) Land $20,825 Building $102,674 |
| 2022 | $888.00 Homeowner's exemption | $78,849 | $104,518 Land $18,594 Building $85,924 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1998–2022) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEW HARMONY M H P private · serves 26 people · EPA ID FL6532235 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 17 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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