4408 Romano St, Sebring, FL 33872 Property Records

Highlands County property record for 4408 Romano St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 2024
Lot Size	0.232 acres (10,108 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Nov 2023)
Tax Bill	$566 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Sale & Construction Loan + 7 more
Flood Zone	Zone X (minimal risk)
APN	`C044804070500100`

Property Details

APN / Parcel Number

Primary APN	`C044804070500100`
Alternative APN	`C-04-34-28-040-7050-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,034 sqft
1st Floor Area	1,614 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,108 sqft (0.232 acres)
Garage Type	Attached
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	384 sqft

Exterior Amenities

Porch	Open Porch
Patio Area	200 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4408 ROMANO ST
City	SEBRING
State	FL
Zip	33872-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUN N LAKE EST OF SEBRING UNIT 4 PB 15 PG 65 LOT 10 BLK 705
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	705
Legal Lot Number	10
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2140
Census Tract	960503

Owner

4408 Romano St is owned by two individuals who bought it in November 2023.

Source: Highlands County records, as of March 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31340 LUXURY DR, SEBRING, FL 33870-5155
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC
Nov 14, 2023	Warranty Deed, Construction Loan · Construction Mortgage HOME SOLUTION LENDERS INC
Oct 18, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 11, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 12, 2021	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 12, 2018	Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Prior Sale	Sep 12, 2018 · Amount on File
Deed Document Number	20232177569
Deed Book / Page	3009 / 883
Prior Transfer Date	Oct 18, 2021
Prior Transfer Doc	0002059634
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4408 ROMANO ST, SEBRING, FL 33872-2212
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4408 ROMANO ST, SEBRING, FL 33872-2212

Mortgage

Document Number	0002301870
Date	Feb 27, 2026
Book Page	3176/1729
Instrument	2301870

Lender

Name	TRUSTED MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Nov 14, 2023
Property Address	4408 ROMANO ST, SEBRING, FL 33872-2212
Document Number	0002177569
Book / Page	3009 / 883
Map Reference	MB 15 PG 65
Instrument Date	Nov 8, 2023
Instrument	2177569
Transaction Type	Construction Loan
Record Updated	Dec 15, 2025
Title Company	INSURED R/E TITLE SERVICES, INSURED RE TTL SVCS INC

Transaction

Amount	Amount on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31340 LUXURY DR # 53, 53, SEBRING, FL 33870-5155

Mortgage

Document Number	0003009884
Date	Nov 14, 2023
Instrument	3009/884

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Oct 18, 2021
Property Address	4408 ROMANO ST, SEBRING, FL 33872-2212
Document Number	0002059634
Book / Page	2859 / 149
Map Reference	MB 2822 PG 1454
Instrument Date	Oct 18, 2021
Instrument	2059634
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15534, IRVINE, CA 92623-5534
Investor	Possibly a Property Investor

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 11, 2021
Property Address	4408 ROMANO ST, SEBRING, FL 33872-2212
Document Number	0002033387
Book / Page	2822 / 324
Map Reference	MB 15 PG 65
Instrument Date	Apr 29, 2021
Instrument	2033387
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	552 DOROTHY AVE, HOLLY HILL, FL 32117-4322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15534, IRVINE, CA 92623-5534
Investor	Possibly a Property Investor

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HIGHLANDS FL
Recording Date	May 12, 2021
Property Address	4408 ROMANO ST, SEBRING, FL 33872-2212
Document Number	0002033795
Book / Page	2822 / 1454
Map Reference	MB 15 PG 65
Instrument Date	Apr 28, 2021
Instrument	2033795
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5306 SUN N LAKE BLVD, SEBRING, FL 33872-2114
Investor	Possibly a Property Investor

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jan 31, 2020
Property Address	4408 ROMANO ST, SEBRING, FL 33872
Document Number	0001973755
Book / Page	002736 / 000674
Instrument Date	Jan 31, 2020
Instrument	1973755
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	515 N FLAGLER DR #P300 WEST PALM BEACH FL 334014326, P300, WEST PALM BEACH, FL 33401-4326

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 27, 2019
Property Address	4408 ROMANO ST, SEBRING, FL 33872
Document Number	0001968904
Book / Page	002730 / 000091
Instrument Date	Dec 19, 2019
Instrument	1968904
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	515 N FLAGLER DR #P300 WEST PALM BEACH FL 334014326, P300, WEST PALM BEACH, FL 33401-4326

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Dec 9, 2019
Property Address	4408 ROMANO ST, SEBRING, FL 33872
Document Number	0001966643
Book / Page	002726 / 001960
Instrument Date	Nov 15, 2019
Instrument	1966643
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	301 THELMA DR #521 CASPER WY 826092325, 521, CASPER, WY 82609-2325

September 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 12, 2018
Property Address	4408 ROMANO ST, SEBRING, FL 33872
Document Number	0001911204
Book / Page	002655 / 000946
Instrument Date	Sep 10, 2018
Instrument	1911204
Transaction Type	Foreclosure
Record Updated	Sep 20, 2018

Transaction

Amount	Amount on Record
Tax	$14.69
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 278 RYE NY 105800278, RYE, NY 10580-0278
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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		$229,587 Land $14,500 Building $215,087	$229,587 Land $14,500 Building $215,087
2024	$566.00 (+349.21%)
2023	$126.00 (+53.66%)	$11,500 (+187.5%) Land $11,500	$11,500 (+187.5%) Land $11,500
2022	$82.00	$4,000 Land $4,000	$4,000 Land $4,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4408 Romano St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 67 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jun 2017 · other causes

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 Romano St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 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	8 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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