4408 Mackerel Dr, Sebring, FL 33870 Property Records

Highlands County property record for 4408 Mackerel Dr, Sebring, FL 33870

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,010 sqft · built 2000
Lot Size	0.233 acres (10,166 sqft)
Owner	2 Owner Names on File
Last Sale	$96,700 (Dec 2000)
Tax Bill	$1,044 (2024)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-10-34-28-061-0040-0160`

Property Details

APN / Parcel Number

Primary APN	`C-10-34-28-061-0040-0160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	1,644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,166 sqft (0.233 acres)
Lot Dimensions	125 ft deep x 81 ft wide
Garage Type	Finished
Garage Area	486 sqft
Driveway	Driveway
Driveway Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4408 MACKEREL DR
City	SEBRING
State	FL
Zip	33870-8472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEBRING RIDGE SEC G PB 12 PG 28 LOT 16 BLK 4
Legal Range	28E
Legal Township	34S
Legal Section	10
Legal Subdivision	SEBRING RIDGE SEC G
Legal Block	4
Legal Lot Number	16
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2028
Census Tract	960104

Owner

The current owner of 4408 Mackerel Dr bought it in December 2000.

Source: Highlands County records, as of December 12, 2025

Owner of Record	2 Owner Names on File
Mailing Address	4408 MACKEREL DR, SEBRING, FL 33870-8472
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2000 · Amount on File
Deed Sale	Dec 29, 2000 · Amount on File
Deed Document Number	1084395
Deed Book / Page	1526 / 0816
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4408 MACKEREL DR, SEBRING, FL 33870-8472
Document Number	0001910429
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4408 MACKEREL DR SEBRING FL 338708472, SEBRING, FL 33870-8472

Mortgage

Document Number	0001910429
Date	Sep 5, 2018
Book Page	002654/000904
Instrument	1910429

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2033

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 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		$92,874	$202,131 Land $20,000 Building $182,131
2024	$1,044.00 (+4.82%)
2023	$996.00 (+3.43%) Homeowner's exemption	$87,628 (+3%)	$194,440 (+17.69%) Land $16,000 Building $178,440
2022	$963.00 Homeowner's exemption	$85,076	$165,207 Land $11,250 Building $153,957

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

Flood

FEMA maps place 4408 Mackerel Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 4408 Mackerel Dr is low, with a 0.06% annual chance of wildfire.

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	0.06% 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	CITY OF AVON PARK serves 19,361 people · EPA ID FL6280049
Water Source	Groundwater
Last State Inspection	May 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 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