4605 Bonnie Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4605 Bonnie Dr, Sebring, FL 33872 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 1996
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,289 (2024)
Deeds & Mortgages	Aug 2017 Reverse Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C044815175200170`

Property Details

APN / Parcel Number

Primary APN	`C044815175200170`
Alternative APN	`C-04-34-28-151-7520-0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,269 sqft Living Area
Gross Area	1,997 sqft
1st Floor Area	1,269 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	728 sqft
Driveway	Concrete Driveway
Driveway Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Open Porch
Porch Area	326 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	4605 BONNIE DR
City	SEBRING
State	FL
Zip	33872-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUN N LAKE EST OF SEBRING UNIT 15 REVISED PB 15PG 64 LOT 17 BLK 752
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	752
Legal Lot Number	17
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2029
Census Tract	960503

Owner

Source: Highlands County records · APN C044815175200170

Assessment roll updated December 10, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4605 BONNIE DR, SEBRING, FL 33872-1708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jul 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 07, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 21, 2020
Transfer Doc	0001992267
Record Updated	Jun 08, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4605 BONNIE DR, SEBRING, FL 33872-1708
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001862879
Date	Aug 15, 2017
Book Page	2594/1466
Instrument	1862879

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	905 Months
Due	Jan 29, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Type Change Date	Sep 01, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 21, 2020
Property Address	4605 BONNIE DR, SEBRING, FL 33872-1708
Document Number	0001992267
Book / Page	002763 / 000971
Instrument Date	Jul 21, 2020
Instrument	1992267
Transaction Type	Transfer
Record Updated	Aug 04, 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	Joint Tenants with Right of Survivorship
Address	4605 BONNIE DR SEBRING FL 338721708, SEBRING, FL 33872-1708

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4605 BONNIE DR, SEBRING, FL 33872-1708
Document Number	0001862880
Instrument Date	Aug 07, 2017
Transaction Type	Mortgage
Record Updated	Mar 08, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4605 BONNIE DR SEBRING FL 338721708, SEBRING, FL 33872-1708

Mortgage

Document Number	0001862880
Date	Aug 15, 2017
Book Page	002594/001482
Instrument	1862880

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Aug 14, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.59%

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified April 2026

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		$121,013 (+5.99%)	$244,213 (+13%) Land $32,400 Building $211,813
2024	$1,289.00 (+4.2%)
2023	$1,237.00 (+3.17%) Homeowner's exemption Senior Citizen's exemption	$114,178 (+3%)	$216,122 (+14.18%) Land $16,875 Building $199,247
2022	$1,199.00 Homeowner's exemption Senior Citizen's exemption	$110,852	$189,290 Land $8,438 Building $180,852

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559605032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 67 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Low above 4% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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