4040 Santa Barbara Dr, Sebring, FL 33875 Property Records

Highlands County property record for 4040 Santa Barbara Dr, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 2018
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Jun 2026)
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2020 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C015806000200060`

Property Details

APN / Parcel Number

Primary APN	`C015806000200060`
Alternative APN	`C-01-35-28-060-0020-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,724 sqft Living Area
Gross Area	2,230 sqft
1st Floor Area	1,572 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	4040 SANTA BARBARA DR
City	SEBRING
State	FL
Zip	33875-1360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	HARDER HALL CTRY CLUB II PB 13 PG 46 LOT 6 BLK 2
Legal Range	28E
Legal Township	35S
Legal Section	01
Legal Subdivision	HARDER HALL COUNTRY CLUB 2
Legal Block	2
Legal Lot Number	6
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	1
Census Block	1033
Census Tract	961301

Owner

Source: Highlands County records, as of June 10, 2026

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	2 Individual Names on File
Mailing Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY
Oct 20, 2020	Warranty Deed, Transfer SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE
Dec 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY
May 10, 2018	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
May 8, 2018	Deed of Trust, Mortgage RENASANT BK
Dec 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on File
Deed Sale	Jun 3, 2026 · Amount on File
Prior Sale	Mar 31, 2025 · Amount on File
Deed Document Number	20262315580
Deed Book / Page	3196 / 770
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 3, 2026
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0002315580
Book / Page	3196 / 770
Instrument Date	May 28, 2026
Instrument	20262315580
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246,743.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360

Mortgage

Document Number	0002315581,
Date	Jun 3, 2026
Instrument	20262315581

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 20, 2020
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0002003203
Book / Page	002779 / 000357
Instrument Date	Oct 1, 2020
Instrument	2003203
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4040 SANTA BARBARA DR SEBRING FL 338751360, SEBRING, FL 33875-1360

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 27, 2019
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0001968998
Book / Page	002730 / 000400
Instrument Date	Dec 23, 2019
Instrument	1968998
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,592.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4040 SANTA BARBARA DR SEBRING FL 338751360, SEBRING, FL 33875-1360

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 10, 2018
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0001896092
Book / Page	2635 / 0900
Map Reference	MB13 PG46
Instrument Date	May 8, 2018
Instrument	1896092
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 KITE AVE, 320, SEBRING, FL 33870-0130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360

Mortgage

Document Number	0001896093
Date	May 10, 2018
Instrument	1896093

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0001896093
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	233 E WILBUR AVE #433 LAKE MARY FL 327463254, 433, LAKE MARY, FL 32746-3254

Mortgage

Document Number	0001896093
Date	May 10, 2018
Book Page	002635/000902
Instrument	1896093

Lender

Name	RENASANT BK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 9, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 21, 2017
Property Address	4040 SANTA BARBARA DR, SEBRING, FL 33875-1360
Document Number	0001877646
Book / Page	002613 / 000105
Instrument Date	Nov 20, 2017
Instrument	1877646
Transaction Type	Transfer
Record Updated	Feb 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	320 KITE AVE SEBRING FL 338700130, SEBRING, FL 33870-0130

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,435.00 (+3.46%)	$125,159 (+5.99%)	$254,486 (-0.65%) Land $30,000 Building $224,486
2024	$1,387.00 (+3.74%)
2023	$1,337.00 (-1.33%) Homeowner's exemption Widower's exemption	$118,089 (+4.03%)	$256,153 (+17.95%) Land $24,000 Building $232,153
2022	$1,355.00 Homeowner's exemption	$113,509	$217,166 Land $24,000 Building $193,166

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.

Flood

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	6 (2004–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2025
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE JOSEPHINE HEIGHTS private · serves 1,325 people · EPA ID FL6280162
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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