Highlands County property record for 404 Stephen Dr, Lake Placid, FL 33852
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,024 sqft · built 1992 |
| Lot Size | 0.025 acres (1,093 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $62,000 (May 2000) |
| Tax Bill | $533 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C-21-37-30-010-0040-0040 |
| Primary APN | C-21-37-30-010-0040-0040 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 1,093 sqft (0.025 acres) |
| View / Lot | Water |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 404 STEPHEN DR |
|---|---|
| City | LAKE PLACID |
| State | FL |
| Zip | 33852-5641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | DEEANN LAKEFRONT ESTATES PB 15 PG 53 UNIT 4 BLDG 4 AKA LOT 404 + INT IN COMMON ELEMENTS |
| Legal Range | 30E |
| Legal Township | 37S |
| Legal Section | 21 |
| Legal Subdivision | DEEANN LAKEFRONT ESTATES |
| Legal Lot Number | 404 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 961701 |
404 Stephen Dr is owned and occupied by two individuals who acquired it in December 2024.
Source: Highlands County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 STEPHEN DR, LAKE PLACID, FL 33852-5641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2000 · Amount on File |
| Deed Sale | May 12, 2000 · Amount on File |
| Deed Document Number | 20001060512 |
| Deed Book / Page | 1498 / 900 |
| Last Transfer Date | Dec 5, 2024 |
| Transfer Doc | 0002233726 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 404 Stephen Dr was $533, up 4.9% from the year before.
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 | $533.00 (+4.92%) | $65,521 | $121,725 Land $12,500 Building $109,225 |
| 2024 | $508.00 (+4.1%) | ||
| 2023 | $488.00 Homeowner's exemption | $61,819 (+3%) | $128,176 (+14.9%) Land $10,000 Building $118,176 |
| 2022 | Homeowner's exemption | $60,018 | $111,552 Land $10,000 Building $101,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Stephen Dr in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 404 Stephen Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF LAKE PLACID serves 2,671 people · EPA ID FL6280286 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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 38 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 |
May also be available: Conexon Connect.
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