Highlands County property record for 8709 Cortez Rd, Sebring, FL 33876
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,826 sqft · built 2020 |
| Lot Size | 0.528 acres (23,027 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $6,000 (Mar 2018) |
| Tax Bill | $4,269 (2024) |
| Deeds & Mortgages | Feb 2020 Construction Loan Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C-15-35-30-040-00F0-0240 |
| Primary APN | C-15-35-30-040-00F0-0240 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,826 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,027 sqft (0.528 acres) |
| Lot Dimensions | 220 ft deep x 105 ft wide |
| Garage Type | Finished |
| Garage Area | 280 sqft |
| Driveway | Driveway |
| Driveway Area | 1,240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 8709 CORTEZ RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-8086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SPRING LAKE VILLAGE IV PB 9-PG 75 LOT 24 BLK F |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | SPRING LAKE VILL 04 |
| Legal Block | F |
| Legal Lot Number | 24 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 961000 |
8709 Cortez Rd is owned and occupied by two individuals who bought it in March 2018.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8709 CORTEZ RD, SEBRING, FL 33876-8086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 27, 2020 | Deed of Trust, Construction Loan · Construction Mortgage MIDFLORIDA CU ISAOA |
| Mar 26, 2018 | Warranty Deed, Transfer HEARTLAND TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2018 · Amount on File |
| Deed Sale | Mar 26, 2018 · Amount on File |
| Deed Document Number | 1889901 |
| Deed Book / Page | 2627 / 1315 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Feb 27, 2020 |
| Property Address | 8709 CORTEZ RD, SEBRING, FL 33876-8086 |
| Document Number | 0001977311 |
| Book / Page | 002741 / 000361 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 1977311 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 12, 2020 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 416 CHERRY TREE DR SEBRING FL 338766165, SEBRING, FL 33876-6165 |
| Document Number | 0001977311 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 002741/000361 |
| Instrument | 1977311 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 26, 2018 |
| Property Address | 8709 CORTEZ RD, SEBRING, FL 33876-8086 |
| Document Number | 0001889901 |
| Book / Page | 002627 / 001315 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 1889901 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2018 |
| Title Company | HEARTLAND TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $42.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 416 CHERRY TREE DR SEBRING FL 338766165, SEBRING, FL 33876-6165 |
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 | $272,442 Land $18,500 Building $253,942 | $272,442 Land $18,500 Building $253,942 | |
| 2024 | $4,269.00 (-1.82%) | ||
| 2023 | $4,348.00 (+74.13%) | $275,495 (+56.22%) Land $16,500 Building $258,995 | $275,495 (+22.83%) Land $16,500 Building $258,995 |
| 2022 | $2,497.00 Homeowner's exemption | $176,350 | $224,290 Land $14,000 Building $210,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8709 Cortez Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 11 (2004–2017) |
| Claims Outside the SFHA | 7 of 11 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
Wildfire risk around 8709 Cortez Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SPRING LAKE IMPROVEMENT DISTIRCT serves 4,098 people · EPA ID FL5280266 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 36 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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