Highlands County property record for 4089 Santa Barbara Dr, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,876 sqft · built 1988 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Jul 2025) |
| Tax Bill | $2,200 (2025) |
| Deeds & Mortgages | Aug 2026 Reverse Mortgage Aug 2026 Reverse Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C015804000100150 |
| Primary APN | C015804000100150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,876 sqft Living Area |
| Gross Area | 2,317 sqft |
| 1st Floor Area | 1,615 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| 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 | 441 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 442 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 331 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4089 SANTA BARBARA DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-1361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FAIRWAY LAKE EST SEC 1 PB 12 PG 39 LOT 15 BLK 1 |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 01 |
| Legal Subdivision | FAIRWAY LAKE EST |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 961301 |
Source: Highlands County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Aug 19, 2026 | Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER |
| Jun 5, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU |
| May 31, 2019 | Grant Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| May 31, 2019 | Quit Claim Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2025 · Amount on Record |
| Deed Sale | Jul 1, 2025 · Amount on Record |
| Prior Sale | Dec 14, 2020 · Amount on Record |
| Deed Document Number | 20252267006 |
| Deed Book / Page | 3129 / 85 |
| Prior Transfer Date | May 20, 2019 |
| Prior Transfer Doc | 0001942626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 19, 2026 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002326916 |
| Book / Page | 3212 / 1489 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20262326916 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002326916, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 3212/1489 |
| Instrument | 20262326916 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 959 Months |
| Due | Jul 18, 2106 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Aug 19, 2026 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002326917 |
| Book / Page | 3212 / 1505 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20262326917 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002326917, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 3212/1505 |
| Instrument | 20262326917 |
| Name | FEDERAL HOUSING COMMISSIONER |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 959 Months |
| Due | Jul 18, 2106 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002154197 |
| Book / Page | 2979 / 292 |
| Map Reference | MB 12 PG 39 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2154197 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Name | Verified Name |
|---|---|
| Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 14, 2020 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0002010534 |
| Book / Page | 2789 / 1213 |
| Map Reference | MB 12 PG 39 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 2010534 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6335 NW TOPAZ WAY, 6335, PORT SAINT LUCIE, FL 34986-3877 |
| Name | Verified Name |
|---|---|
| Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0027891215 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2789/1215 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 31, 2019 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0001942627 |
| Book / Page | 002695 / 001006 |
| Instrument Date | May 29, 2019 |
| Instrument | 1942627 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,036.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 6335 NW TOPAZ WAY PORT ST LUCIE FL 349863877, PORT ST LUCIE, FL 34986-3877 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 31, 2019 |
| Property Address | 4089 SANTA BARBARA DR, SEBRING, FL 33875-1361 |
| Document Number | 0001942626 |
| Book / Page | 002695 / 000999 |
| Instrument Date | May 20, 2019 |
| Instrument | 1942626 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 6335 NW TOPAZ WAY PORT ST LUCIE FL 349863877, PORT ST LUCIE, FL 34986-3877 |
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 | $2,200.00 (+3.14%) | $177,217 (+5.99%) | $230,696 (-0.11%) Land $30,000 Building $200,696 |
| 2024 | $2,133.00 (+2.55%) | ||
| 2023 | $2,080.00 (+1.91%) Homeowner's exemption | $167,207 (+3.18%) | $230,958 (+17.72%) Land $24,000 Building $206,958 |
| 2022 | $2,041.00 Homeowner's exemption | $162,061 | $196,199 Land $24,000 Building $172,199 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 120 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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