4405 Cremona Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4405 Cremona Dr, Sebring, FL 33872 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	2,028 sqft Living Area
Lot Size	12,500 sqft (0.286 acres)
Occupancy	Owner Occupied
Last Sale	$135,000 (2009)
Tax Bill	$1,171.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`C044815175000190`
Alternative APN	`C-04-34-28-151-7500-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	2,028 sqft Living Area
1st Floor	1,514 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	12,500 sqft (0.286 acres)
Depth X Width	125 ft x 100 ft Depth x Width
Driveway	1 Driveway
Driveway Area	486 sqft Driveway
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	544 sqft Garage
Porch	Open Porch
Porch Area	258 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Old Parcel Number	C044815175000190
Street Address	4405 CREMONA DR
City	SEBRING
State	FL
Zip	33872-1789
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUN N LAKE EST OF SEBRING UNIT 15 REVISED PB 15PG 64 LOT 19 BLK 750
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	750
Legal Lot Number	19
Jurisdiction	HIGHLANDS FL
Minor Civil Division	AVON PARK
Census Blockgroup	2
Census Block	2137
Census Tract	960503

Owner

Source: Highlands County records · APN C044815175000190

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	4405 CREMONA DR, SEBRING, FL 33872-1789
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 27, 2009 · Amount on Record
Deed Sale	Jan 27, 2009 · Amount on Record
Prior Sale	Jan 21, 2000 · Amount on Record
Deed Doc Number	1531905
Deed Book / Page	2175 / 0167
Record Refreshed	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4405 CREMONA DR, SEBRING, FL 33872-1789
Transaction Type	Mortgage
Record Updated	Feb 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002075647
Date	Jan 31, 2022
Book Page	2880/1980
Instrument	2075647

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$102,406 (+5.99%)	$224,919 (+11.41%) Land $25,000 Building $199,919
2024	$1,171.00 (+4.37%)
2023	$1,122.00 (+3.03%) Homeowner's exemption	$96,621 (+3%)	$201,887 (+16.63%) Land $16,125 Building $185,762
2022	$1,089.00 Homeowner's exemption	$93,807	$173,099 Land $4,688 Building $168,411

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.