4608 Rachael Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4608 Rachael Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,445 sqft · built 2018
Lot Size	0.257 acres (11,196 sqft)
Owner	2 Individual Names on File
Last Sale	$19,000 (Feb 2017)
Tax Bill	$1,499 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`C-22-34-28-030-0690-0330`

Property Details

APN / Parcel Number

Primary APN	`C-22-34-28-030-0690-0330`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,445 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,196 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	308 sqft
Driveway	Driveway
Driveway Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	208 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4608 RACHAEL DR
City	SEBRING
State	FL
Zip	33872-2737
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 33 BLK 69
Legal Range	28E
Legal Township	34S
Legal Section	22
Legal Subdivision	SEBRING COUNTRY EST
Legal Block	69
Legal Lot Number	33
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2023
Census Tract	960601

Owner

4608 Rachael Dr is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4608 RACHAEL DR, SEBRING, FL 33872-2737
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

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WAUCHULA STATE BANK
Sep 25, 2017	Trustee's Deed, Construction Loan · Line of Credit WAUCHULA ST BK
Feb 7, 2017	Warranty Deed, Transfer WAUCHULA ABSTRACT AND TITLE COMPANY, WAUCHULA ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2017 · Amount on File
Deed Sale	Feb 7, 2017 · Amount on File
Prior Sale	Apr 1, 2013
Deed Document Number	1841560
Deed Book / Page	2565 / 0392
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4608 RACHAEL DR, SEBRING, FL 33872-2737
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	HERITAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4608 RACHAEL DR, SEBRING, FL 33872-2737

Mortgage

Document Number	0002069786
Date	Dec 22, 2021
Book Page	2873/453
Instrument	2069786

Lender

Name	WAUCHULA STATE BANK
Type	Bank
Address	WAUCHULA, FL 33873

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Sep 25, 2017
Property Address	4608 RACHAEL DR, SEBRING, FL 33872-2737
Book / Page	002599 / 000665
Instrument Date	Sep 8, 2017
Instrument	1866243
Transaction Type	Construction Loan
Record Updated	Oct 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4060 STATE ROAD 62 BOWLING GREEN FL 338344124, BOWLING GREEN, FL 33834-4124

Mortgage

Document Number	0001866243
Date	Sep 25, 2017
Book Page	002599/000665
Instrument	1866243

Lender

Name	WAUCHULA ST BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2047

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 7, 2017
Property Address	4608 RACHAEL DR, SEBRING, FL 33872-2737
Document Number	0001841560
Book / Page	002565 / 000392
Instrument Date	Feb 3, 2017
Instrument	1841560
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	WAUCHULA ABSTRACT AND TITLE COMPANY, WAUCHULA ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Tax	$133.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4060 STATE ROAD 62 BOWLING GREEN FL 338344124, BOWLING GREEN, FL 33834-4124

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		$130,271	$231,734 Land $30,000 Building $201,734
2024	$1,499.00 (+2.95%)
2023	$1,456.00 (+2.18%) Homeowner's exemption	$122,913 (+3%)	$228,587 (+12.26%) Land $28,500 Building $200,087
2022	$1,425.00 Homeowner's exemption	$119,333	$203,619 Land $28,500 Building $175,119

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

Flood

FEMA maps place 4608 Rachael Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 4608 Rachael Dr is moderate, ranking above 54% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% 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.

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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