Highlands County property record for 4005 Palazzo St, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,413 sqft · built 1985 |
| Lot Size | 0.229 acres (9,999 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $1,956 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C044802001900230 |
| Primary APN | C044802001900230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,413 sqft Living Area |
| 1st Floor Area | 969 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,999 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Driveway | Driveway |
| Driveway Area | 297 sqft |
| Porch | Enclosed Porch |
| Porch Area | 823 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C044802001900230 |
|---|---|
| Street Address | 4005 PALAZZO ST |
| City | SEBRING |
| State | FL |
| Zip | 33872-2220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUN N LAKE OF SEB UNIT 2 PB 9-PG 48 LOT 23 BLK 19 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 04 |
| Legal Subdivision | SUN N LK SEB UNIT 02 |
| Legal Block | 19 |
| Legal Lot Number | 23 |
| Legal Unit | 2 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | AVON PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 960504 |
The current owner of 4005 Palazzo St acquired it in July 2004.
Source: Highlands County records, as of December 12, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 4500 NW 46TH ST, TAMARAC, FL 33319-3836 |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 14, 2004 |
| Transfer Doc | 0001259947 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4005 PALAZZO ST, SEBRING, FL 33872-2220 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4500 NW 46TH ST, TAMARAC, FL 33319-3836 |
| Document Number | 0002060048 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 2859/1452 |
| Instrument | 2060048 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
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 | $139,362 Land $18,500 Building $120,862 | $139,362 Land $18,500 Building $120,862 | |
| 2024 | $1,956.00 (+11.2%) | ||
| 2023 | $1,759.00 (+10.08%) | $123,529 (+20.37%) Land $11,500 Building $112,029 | $123,529 (+20.37%) Land $11,500 Building $112,029 |
| 2022 | $1,598.00 | $102,623 Land $4,000 Building $98,623 | $102,623 Land $4,000 Building $98,623 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4005 Palazzo St 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 | 1 in force |
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 4005 Palazzo St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 265 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 |
| AT&T Fixed Wireless | 100 / 20 |
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