4651 Tarrega St, Sebring, FL 33872 Property Records

Highlands County property record for 4651 Tarrega St, Sebring, FL 33872

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,526 sqft · built 2007
Lot Size	0.234 acres (10,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Aug 2007)
Tax Bill	$2,379 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C044804070400120`

Property Details

APN / Parcel Number

Primary APN	`C044804070400120`
Alternative APN	`C-04-34-28-040-7040-0120`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,526 sqft Living Area
Gross Area	2,904 sqft
1st Floor Area	2,238 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,197 sqft (0.234 acres)
Garage Type	Attached
Garage Area	378 sqft
Driveway	Concrete Driveway
Driveway Area	400 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	288 sqft
Patio Area	696 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4651 TARREGA ST
City	SEBRING
State	FL
Zip	33872-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUN N LAKE EST OF SEBRING UNIT 4 PB 15 PG 65 LOT 12 BLK 704
Legal Range	28E
Legal Township	34S
Legal Section	04
Legal Subdivision	SUN N LAKE EST
Legal Block	704
Legal Lot Number	12
Jurisdiction	HIGHLANDS FL
Township / Civil Division	AVON PARK
Census Block Group	2
Census Block	2141
Census Tract	960503

Owner

Source: Highlands County records, as of July 13, 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 Record
Mailing Address	4651 TARREGA ST, SEBRING, FL 33872-1715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Mar 17, 2022	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Jul 31, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2007 · Amount on Record
Deed Sale	Aug 9, 2007 · Amount on Record
Deed Document Number	20071467432
Deed Book / Page	2089 / 1532
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 6, 2026
Property Address	4651 TARREGA ST, SEBRING, FL 33872-1715
Document Number	0002320291
Book / Page	3203 / 331
Instrument Date	Jun 24, 2026
Instrument	20262320291
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 TARREGA ST, SEBRING, FL 33872-1715

Mortgage

Document Number	0002320291,
Date	Jul 6, 2026
Book Page	3203/331
Instrument	20262320291

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4651 TARREGA ST, SEBRING, FL 33872-1715
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4651 TARREGA ST, SEBRING, FL 33872-1715

Mortgage

Document Number	0002083190
Date	Mar 17, 2022
Book Page	2891/789
Instrument	2083190

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	4651 TARREGA ST, SEBRING, FL 33872-1715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001950358
Date	Jul 31, 2019
Book Page	2705/0398
Instrument	1950358

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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	$2,379.00 (+59.77%) Homeowner's exemption	$124,709 (+5.99%)	$263,641 (-12.15%) Land $24,000 Building $239,641
2024	$1,489.00 (+3.84%)
2023	$1,434.00 (+2.5%) Homeowner's exemption	$117,664 (+3%)	$300,090 (+32.51%) Land $11,500 Building $288,590
2022	$1,399.00 Homeowner's exemption	$114,237	$226,472 Land $4,000 Building $222,472

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 67 policies
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

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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUN N LAKES OF SEBRING WATER private · serves 7,710 people · EPA ID FL6280274
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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