4408 Rachael Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4408 Rachael Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 2004
Lot Size	0.257 acres (11,196 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jun 2020)
Tax Bill	$998 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C224803006900070`

Property Details

APN / Parcel Number

Primary APN	`C224803006900070`
Alternative APN	`C-22-34-28-030-0690-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,283 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	11,196 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	276 sqft
Deck Area	192 sqft
Patio Area	56 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C224803006900070
Street Address	4408 RACHAEL DR
City	SEBRING
State	FL
Zip	33872-2745
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 7 BLK 69
Legal Range	28E
Legal Township	34S
Legal Section	22
Legal Subdivision	SEBRING COUNTRY EST
Legal Block	69
Legal Lot Number	7
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2023
Census Tract	960601

Owner

4408 Rachael Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4408 RACHAEL DR, SEBRING, FL 33872-2745
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on File
Deed Sale	Jun 9, 2020 · Amount on File
Prior Sale	May 22, 2014
Deed Document Number	0027561745
Deed Book / Page	2756 / 1745
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jun 9, 2020
Property Address	4408 RACHAEL DR, SEBRING, FL 33872-2745
Document Number	0001988022
Book / Page	002756 / 001753
Instrument Date	May 28, 2020
Instrument	1988022
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4408 RACHAEL DR SEBRING FL 338722745, SEBRING, FL 33872-2745

Mortgage

Document Number	1988023
Date	Jun 9, 2020
Book Page	002756/001755
Instrument	1988023

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

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		$89,443	$229,022 Land $30,000 Building $199,022
2024	$998.00 (+4.61%)
2023	$954.00 (+3.47%) Homeowner's exemption	$84,390 (+3%)	$226,670 (+11.79%) Land $28,500 Building $198,170
2022	$922.00 Homeowner's exemption	$81,932	$202,757 Land $28,500 Building $174,257

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4408 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

Wildfire risk around 4408 Rachael Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 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

May also be available: T-Mobile.

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