Highlands County property record for 3609 Monza Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,554 sqft · built 1988 |
| Lot Size | 0.286 acres (12,469 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Mar 2022) |
| Tax Bill | $3,815 (2024) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044813026200040 |
| Primary APN | C044813026200040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,554 sqft Living Area |
| 1st Floor Area | 1,996 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,469 sqft (0.286 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 647 sqft |
| Driveway | Driveway |
| Driveway Area | 561 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 702 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044813026200040 |
|---|---|
| Street Address | 3609 MONZA DR |
| City | SEBRING |
| State | FL |
| Zip | 33872-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | SUN N LAKE EST OF SEBRING UNIT 13 PB 9 PG 71 LOT 4 BLK 262 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LAKE EST |
| Legal Block | 262 |
| Legal Lot Number | 4 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 960503 |
Source: Highlands County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2507 CONSTITUTION BLVD, SARASOTA, FL 34231-4923 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 4, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 29, 2022 · Amount on Record |
| Deed Sale | Mar 29, 2022 · Amount on Record |
| Prior Sale | Feb 27, 2013 · Amount on Record |
| Deed Document Number | 2084916 |
| Deed Book / Page | 2893 / 1729 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Mar 29, 2022 |
| Property Address | 3609 MONZA DR, SEBRING, FL 33872-2002 |
| Document Number | 0002084916 |
| Book / Page | 2893 / 1729 |
| Map Reference | MB 9 PG 71 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 2084916 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3609 MONZA DR, 3609, SEBRING, FL 33872-2002 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2507 CONSTITUTION BLVD, SARASOTA, FL 34231-4923 |
| Document Number | 0028931731 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2893/1731 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 3609 MONZA DR, SEBRING, FL 33872-2002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0001954529 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 2710/1509 |
| Instrument | 1954529 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $255,421 (+2.43%) Land $29,432 Building $225,989 | $255,421 (+2.43%) Land $29,432 Building $225,989 | |
| 2024 | $3,815.00 (+1.65%) | ||
| 2023 | $3,753.00 (+129.96%) | $249,364 (+90.51%) Land $24,942 Building $224,422 | $249,364 (+10.94%) Land $24,942 Building $224,422 |
| 2022 | $1,632.00 Homeowner's exemption | $130,893 | $224,769 Land $14,467 Building $210,302 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| 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 |
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 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274 |
|---|---|
| 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, 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 278 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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