Highlands County property record for 3401 Monza Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,986 sqft · built 1987 |
| Lot Size | 0.287 acres (12,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (May 2018) |
| Tax Bill | $3,204 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-04-34-28-130-2620-0130 |
| Primary APN | C-04-34-28-130-2620-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,986 sqft Living Area |
| 1st Floor Area | 1,541 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,542 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 493 sqft |
| Driveway | Driveway |
| Driveway Area | 442 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 386 sqft |
| Patio Area | 594 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 3401 MONZA DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-7639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | SUN N LAKE OF SEB UNIT 13 PB 9 PG 71 LOT 13 BLK 262 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | PATIO HOMES SNL SEBRING |
| Legal Block | 262 |
| Legal Lot Number | 13 |
| Legal Unit | 13 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 960503 |
Source: Highlands County records · APN C-04-34-28-130-2620-0130
Assessment roll updated July 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 7014 SANDY TRL, ERIE, PA 16510-5962 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| May 02, 2018 | Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS |
| Feb 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2018 · Amount on Record |
| Deed Sale | May 02, 2018 · Amount on Record |
| Prior Sale | Apr 20, 2010 |
| Deed Document Number | 1894868 |
| Deed Book / Page | 2633 / 1623 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3401 MONZA DR, SEBRING, FL 33872-7639 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001983045 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 2749/732 |
| Instrument | 1983045 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 02, 2018 |
| Property Address | 3401 MONZA DR, SEBRING, FL 33872-7639 |
| Document Number | 0001894868 |
| Book / Page | 002633 / 001623 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 1894868 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,246.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7014 SANDY TRL ERIE PA 165105962, ERIE, PA 16510-5962 |
| Document Number | 1894869 |
|---|---|
| Date | May 02, 2018 |
| Book Page | 002633/001625 |
| Instrument | 1894869 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3401 MONZA DR, SEBRING, FL 33872-7639 |
| Document Number | 0001843534 |
| Book / Page | 002567 / 001021 |
| Instrument Date | Feb 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3401 MONZA DR SEBRING FL 338727639, SEBRING, FL 33872-7639 |
| Document Number | 0001843534 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | 002567/001021 |
| Instrument | 1843534 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $222,066 (+1.02%) Land $29,580 Building $192,486 | $222,066 (+1.02%) Land $29,580 Building $192,486 | |
| 2024 | $3,204.00 (+4.36%) | ||
| 2023 | $3,070.00 (+7.46%) | $219,833 (+12.04%) Land $25,068 Building $194,765 | $219,833 (+12.04%) Land $25,068 Building $194,765 |
| 2022 | $2,857.00 | $196,218 Land $14,539 Building $181,679 | $196,218 Land $14,539 Building $181,679 |
Source: FEMA National Flood Hazard Layer as of November 17, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 278 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUN N LAKES OF SEBRING WATER private · serves 7,710 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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