Highlands County property record for 4108 Santa Barbara Dr, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,107 sqft · built 2017 |
| Lot Size | 0.237 acres (10,363 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Dec 2017) |
| Tax Bill | $2,154 (2024) |
| Deeds & Mortgages | Sep 2023 Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C015804000200010 |
| Primary APN | C015804000200010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,107 sqft Living Area |
| Flooring | Slate |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,363 sqft (0.237 acres) |
| Lot Dimensions | 125 ft deep x 84 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Driveway Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 333 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C015804000200010 |
|---|---|
| Street Address | 4108 SANTA BARBARA DR |
| City | SEBRING |
| State | FL |
| Zip | 33875-1304 |
| 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 1 BLK 2 |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 01 |
| Legal Subdivision | FAIRWAY LAKE EST |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 961301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Jan 8, 2020 | Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK |
| Dec 12, 2017 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS/AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2017 · Amount on Record |
| Deed Sale | Dec 12, 2017 · Amount on Record |
| Prior Sale | May 23, 2014 · Amount on Record |
| Deed Document Number | 1876417 |
| Deed Book / Page | 2611 / 1129 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Document Number | 0002171148 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 3000/1953 |
| Instrument | 2171148 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Document Number | 0002085888 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 2895/455 |
| Instrument | 2085888 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Document Number | 0001972944 |
| Instrument Date | Jan 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4108 SANTA BARBARA DR SEBRING FL 338751304, SEBRING, FL 33875-1304 |
| Document Number | 0001972944 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 002735/000900 |
| Instrument | 1972944 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate | 3.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Dec 12, 2017 |
| Property Address | 4108 SANTA BARBARA DR, SEBRING, FL 33875-1304 |
| Document Number | 0001876417 |
| Book / Page | 002611 / 001129 |
| Instrument Date | Dec 7, 2017 |
| Instrument | 1876417 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 334 ROADRUNNER AVE SEBRING FL 338705909, SEBRING, FL 33870-5909 |
| Document Number | 1876418 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 002611/001131 |
| Instrument | 1876418 |
| Name | MORTGAGE LENDERS/AMERICA |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66211 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2047 |
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 | $179,412 (+5.99%) | $263,915 (-0.43%) Land $31,500 Building $232,415 | |
| 2024 | $2,154.00 (+2.47%) | ||
| 2023 | $2,102.00 (+1.64%) Homeowner's exemption | $169,278 (+3%) | $265,042 (+17.06%) Land $25,200 Building $239,842 |
| 2022 | $2,068.00 Homeowner's exemption | $164,348 | $226,418 Land $25,200 Building $201,218 |
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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 76 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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