4624 Rachael Dr, Sebring, FL 33872 Property Records

Highlands County property record for 4624 Rachael Dr, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,167 sqft · built 2019
Lot Size	0.257 acres (11,196 sqft)
Owner	Individual Name on File
Last Sale	$27,500 (Aug 2018)
Tax Bill	$2,260 (2024)
Deeds & Mortgages	Apr 2019 Construction Loan Jan 2020 Loan Modification
Flood Zone	Zone A (high risk)
APN	`C-22-34-28-030-0690-0310`

Property Details

APN / Parcel Number

Primary APN	`C-22-34-28-030-0690-0310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,167 sqft Living Area
Flooring	Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete Block
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	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	780 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	292 sqft
Patio Area	102 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4624 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 31 BLK 69
Legal Range	28E
Legal Township	34S
Legal Section	22
Legal Subdivision	SEBRING COUNTRY EST
Legal Block	69
Legal Lot Number	31
Jurisdiction	HIGHLANDS FL
Township / Civil Division	SEBRING
Census Block Group	2
Census Block	2023
Census Tract	960601

Owner

4624 Rachael Dr is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	4624 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
Apr 16, 2019	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND NATIONAL BANK
Jan 17, 2020	Loan Modification, Mortgage HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Deed Document Number	1907878
Deed Book / Page	2651 / 0370
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4624 RACHAEL DR, SEBRING, FL 33872-2737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001936621
Date	Apr 16, 2019
Book Page	2687/1679
Instrument	1936621

Lender

Name	HEARTLAND NATIONAL BANK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	May 1, 2020

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HIGHLANDS FL
Property Address	4624 RACHAEL DR, SEBRING, FL 33872-2737
Document Number	0001971996
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4624 RACHAEL DR SEBRING FL 338722737, SEBRING, FL 33872-2737

Mortgage

Document Number	0001971996
Date	Jan 21, 2020
Book Page	002734/000241
Instrument	1971996

Lender

Name	HEARTLAND NAT'L BK
Type	Bank
Address	SEBRING, FL 33870

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

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		$185,015	$327,095 Land $30,000 Building $297,095
2024	$2,260.00 (+2.45%)
2023	$2,206.00 (+1.66%) Homeowner's exemption	$174,564 (+3%)	$323,175 (+12.74%) Land $28,500 Building $294,675
2022	$2,170.00 Homeowner's exemption	$169,480	$286,645 Land $28,500 Building $258,145

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

Flood

FEMA maps place 4624 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 4624 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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