Highlands County property record for 4409 Willow Trl, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,543 sqft · built 1999 |
| Lot Size | 0.141 acres (6,150 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jan 2026) |
| Tax Bill | $1,941 (2024) |
| Deeds & Mortgages | Jan 2026 Sale Jun 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C274812000000740 |
| Primary APN | C274812000000740 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,543 sqft Living Area |
| 1st Floor Area | 1,161 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,150 sqft (0.141 acres) |
| Garage Type | Finished |
| Garage Area | 360 sqft |
| Driveway | Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 255 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C274812000000740 |
|---|---|
| Street Address | 4409 WILLOW TRL |
| City | SEBRING |
| State | FL |
| Zip | 33872-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1FUD |
| Legal Description | WILLOW GATE PB 15 PG 27 LOT 74 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 27 |
| Legal Subdivision | WILLOW GATE |
| Legal Lot Number | 74 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 960602 |
Source: Highlands County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5347 VILLA CIRCLE, SHELBY TOWNSHIP, MI 48316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2026 | Warranty Deed, Transfer K TITLE COMPANY LLC, LP TITLE COMPANY LLC |
| Jun 28, 2021 | Warranty Deed, Transfer CAPSTONE TITLE LLC |
| Jun 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2026 · Amount on Record |
| Deed Sale | Jan 2, 2026 · Amount on Record |
| Prior Sale | Jun 28, 2021 · Amount on Record |
| Deed Document Number | 2293723 |
| Deed Book / Page | 3165 / 1309 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jan 2, 2026 |
| Property Address | 4409 WILLOW TRL, SEBRING, FL 33872-1811 |
| Document Number | 0002293723 |
| Book / Page | 3165 / 1309 |
| Map Reference | MB 15 PG 27 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2293723 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | K TITLE COMPANY LLC, LP TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4409 WILLOW TRL, SEBRING, FL 33872-1811 |
| Name | Verified Name |
|---|---|
| Address | 5347 VILLA CIRCLE, SHELBY TOWNSHIP, MI 48316 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 28, 2021 |
| Property Address | 4409 WILLOW TRL, SEBRING, FL 33872-1811 |
| Document Number | 0002041391 |
| Book / Page | 2833 / 969 |
| Map Reference | MB 15 PG 27 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2041391 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2021 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 942 CEDAR GROVE DR, 942, CROSS, SC 29436-3102 |
| Name | Verified Name |
|---|---|
| Address | 4409 WILBOW TREAIL, SEBRING, FL 33872 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 11, 2019 |
| Property Address | 4409 WILLOW TRL, SEBRING, FL 33872-1811 |
| Document Number | 0001944019 |
| Book / Page | 2697 / 0765 |
| Map Reference | MB 15 PG 27 |
| Instrument Date | May 21, 2019 |
| Instrument | 1944019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,106.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 942 CEDAR GROVE DR, CROSS, SC 29436-3102 |
| Document Number | 0002697767 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 2697/767 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $166,001 (+5.99%) | $179,243 (+5.64%) Land $15,000 Building $164,243 | |
| 2024 | $1,941.00 (+2.37%) | ||
| 2023 | $1,896.00 (+1.72%) Homeowner's exemption | $156,624 (+3%) | $169,675 (+11.58%) Land $15,000 Building $154,675 |
| 2022 | $1,864.00 Homeowner's exemption | $152,062 Land $15,000 Building $137,062 | $152,062 Land $15,000 Building $137,062 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 44 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 8 (2017–2022) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: FCC Broadband Data Collection, based on 241 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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