Highlands County property record for 4640 Rachael Dr, Sebring, FL 33872
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,207 sqft · built 1992 |
| Lot Size | 0.257 acres (11,196 sqft) |
| Owner | Owner Name on File |
| Last Sale | $74,300 (Feb 2001) |
| Tax Bill | $1,066 (2024) |
| Deeds & Mortgages | Dec 2019 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | C224803006900290 |
| Primary APN | C224803006900290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,207 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 |
| Driveway | Driveway |
| Driveway Area | 600 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 288 sqft |
| Patio Area | 120 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C224803006900290 |
|---|---|
| Street Address | 4640 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 29 BLK 69 |
| Legal Range | 28E |
| Legal Township | 34S |
| Legal Section | 22 |
| Legal Subdivision | SEBRING COUNTRY EST |
| Legal Block | 69 |
| Legal Lot Number | 29 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 960601 |
The current owner of 4640 Rachael Dr bought it in February 2001.
Source: Highlands County records, as of December 12, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | PO BOX 694, SEBRING, FL 33871-0694 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2001 · Amount on File |
| Deed Sale | Feb 28, 2001 · Amount on File |
| Deed Document Number | 1091047 |
| Deed Book / Page | 1534 / 1188 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 4640 RACHAEL DR, SEBRING, FL 33872-2737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001966213 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 2726/0928 |
| Instrument | 1966213 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 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 | $98,833 | $190,359 Land $30,000 Building $160,359 | |
| 2024 | $1,066.00 (+16.89%) | ||
| 2023 | $912.00 (+3.28%) Homeowner's exemption | $84,586 (+3%) | $179,679 (+11.34%) Land $28,500 Building $151,179 |
| 2022 | $883.00 Homeowner's exemption | $82,122 | $161,381 Land $28,500 Building $132,881 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4640 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 risk around 4640 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.
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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