Highlands County property record for 8809 Monserrat Rd, Sebring, FL 33876
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,435 sqft · built 2019 |
| Lot Size | 0.571 acres (24,853 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (May 2024) |
| Tax Bill | $2,548 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-15-35-30-040-00H0-0080 |
| Primary APN | C-15-35-30-040-00H0-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,435 sqft Living Area |
| Gross Area | 1,964 sqft |
| 1st Floor Area | 1,435 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 24,853 sqft (0.571 acres) |
| Lot Dimensions | 200 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 364 sqft |
| Porch | Open Porch |
| Porch Area | 225 sqft |
| Patio Area | 501 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 8809 MONSERRAT RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33876-8006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SPRING LAKE VILLAGE IV PB 9-PG 75 LOT 8 BLK H |
| Legal Range | 30E |
| Legal Township | 35S |
| Legal Section | 15 |
| Legal Subdivision | SPRING LAKE VILL 04 |
| Legal Block | H |
| Legal Lot Number | 8 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 961000 |
Source: Highlands County records, as of April 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 329 SANDPIPER ST, LAKE PLACID, FL 33852-4607 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CREDIT UNION |
| Apr 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK SPRINGFIELD |
| Apr 1, 2019 | Loan Modification, Mortgage HEARTLAND NAT'L BK |
| Oct 23, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage HEARTLAND NAT'L BK |
| Sep 19, 2018 | Warranty Deed, Transfer OTHER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2024 · Amount on Record |
| Deed Sale | May 30, 2024 · Amount on Record |
| Prior Sale | Sep 19, 2018 · Amount on Record |
| Deed Document Number | 20242205767 |
| Deed Book / Page | 3046 / 1310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Document Number | 0002306590 |
| Book / Page | 3183 / 1035 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20262306590 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Document Number | 0002306590, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 3183/1035 |
| Instrument | 20262306590 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001983785 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 2750/752 |
| Instrument | 1983785 |
| Name | MARINE BANK SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Document Number | 0001934981 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8809 MONSERRAT RD SEBRING FL 33876, SEBRING, FL 33876 |
| Document Number | 0001934981 |
|---|---|
| Date | Apr 3, 2019 |
| Book Page | 002685/001318 |
| Instrument | 1934981 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 2, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Oct 23, 2018 |
| Property Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Book / Page | 002661 / 000724 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 1915634 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 22, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1567 CARIBBEAN RD SEBRING FL 338708058, SEBRING, FL 33870-8058 |
| Document Number | 0001915634 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 002661/000724 |
| Instrument | 1915634 |
| Name | HEARTLAND NAT'L BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 22, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 19, 2018 |
| Property Address | 8809 MONSERRAT RD, SEBRING, FL 33876-8006 |
| Document Number | 0001911857 |
| Book / Page | 002656 / 000911 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 1911857 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $49.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1567 CARIBBEAN RD SEBRING FL 338708058, SEBRING, FL 33870-8058 |
Source: Highlands County assessment roll, as of December 10, 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 | $284,885 (+50.97%) | $300,353 (-2.39%) Land $18,500 Building $281,853 | |
| 2024 | $2,548.00 (+0.79%) | ||
| 2023 | $2,528.00 (+1.89%) Homeowner's exemption Senior Citizen's exemption | $188,708 (+3%) | $307,709 (+20.17%) Land $16,500 Building $291,209 |
| 2022 | $2,481.00 Homeowner's exemption Senior Citizen's exemption | $183,212 | $256,067 Land $14,000 Building $242,067 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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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