Highlands County property record for 4308 Rachael Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,904 sqft · built 2002 |
| Lot Size | 0.268 acres (11,694 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,900 (Jul 2023) |
| Tax Bill | $3,457 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C-22-34-28-030-0690-0140 |
| Primary APN | C-22-34-28-030-0690-0140 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 1,896 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,694 sqft (0.268 acres) |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 222 sqft |
| Patio Area | 322 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 4308 RACHAEL DR |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33872-2722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEBRING COUNTRY EST SEC 3 PB 9-PG 6 LOT 14 BLK 69 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 22 |
| Legal Subdivision | SEBRING COUNTRY EST |
| Legal Block | 69 |
| Legal Lot Number | 14 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 960601 |
4308 Rachael Dr is owned and occupied by an individual who bought it in July 2023.
Source: Highlands County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1406 SCOTT AVE, LEHIGH ACRES, FL 33972-2731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2023 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Oct 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 23, 2021 | Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2023 · Amount on File |
| Deed Sale | Jul 26, 2023 · Amount on File |
| Prior Sale | Sep 23, 2021 · Amount on File |
| Deed Document Number | 2161882 |
| Deed Book / Page | 2988 / 1957 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jul 26, 2023 |
| Property Address | 4308 RACHAEL DR, SEBRING, FL 33872-2722 |
| Document Number | 0002161882 |
| Book / Page | 2988 / 1957 |
| Map Reference | MB 9 PG 6 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 2161882 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 N 7TH ST, RIVERTON, IL 62561-8222 |
| Name | Verified Name |
|---|---|
| Address | 1406 SCOTT AVE, LEHIGH ACRES, FL 33972-2731 |
| Document Number | 0029881959 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 2988/1959 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4308 RACHAEL DR, SEBRING, FL 33872-2722 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4308 RACHAEL DR, SEBRING, FL 33872-2722 |
| Document Number | 0002117941 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 2934/1027 |
| Instrument | 2117941 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 4308 RACHAEL DR, SEBRING, FL 33872-2722 |
| Document Number | 0002055363 |
| Book / Page | 2853 / 523 |
| Map Reference | MB 9 PG 6 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 2055363 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,729.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 ELIZABETH ST, 15, ETNA, PA 15223-1836 |
| Name | Verified Name |
|---|---|
| Address | 1004 HAMMOCK RD # 111, 111, SEBRING, FL 33870-6219 |
| Document Number | 0002853525 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2853/525 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $229,061 Land $30,000 Building $199,061 | $229,061 Land $30,000 Building $199,061 | |
| 2024 | $3,457.00 (+3.97%) | ||
| 2023 | $3,325.00 (+7.36%) | $223,084 (+12.05%) Land $28,500 Building $194,584 | $223,084 (+12.05%) Land $28,500 Building $194,584 |
| 2022 | $3,097.00 | $199,091 Land $28,500 Building $170,591 | $199,091 Land $28,500 Building $170,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4308 Rachael 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 35 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 35 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 4308 Rachael Dr is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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