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10327 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 10327 Payne Rd, Sebring, FL 33875

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 2,666 sqft · built 2019
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on Record
Tax Bill$2,704 (2024)
Deeds & MortgagesAug 2022 Transfer
Apr 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APNC-35-35-28-010-0010-0240

Property Details

APN / Parcel Number

Primary APNC-35-35-28-010-0010-0240

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area2,666 sqft Living Area
FlooringSlate
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area217,800 sqft (5 acres)
Garage TypeFinished
Garage Area599 sqft
DrivewayDriveway
Driveway Area999 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area440 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address10327 PAYNE RD
CitySEBRING
StateFL
Zip33875-9401
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeAU
Legal DescriptionSOMERVALE DOWNS
Legal Range28E
Legal Township35S
Legal Section35
Legal SubdivisionSOMERVALE DOWNS
Legal Block1
Legal Lot Number24
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1022
Census Tract961401

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address10327 PAYNE RD, SEBRING, FL 33875-9401
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 8, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 24, 2019Loan Modification, Mortgage
HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 8, 2022
Transfer Doc0002108822
Record UpdatedJun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHIGHLANDS FL
Recording DateAug 8, 2022
Property Address10327 PAYNE RD, SEBRING, FL 33875-9401
Document Number0002108822
Book / Page2923 / 1107
Map ReferenceMB 12 PG 35
Instrument DateAug 5, 2022
Instrument2108822
Transaction TypeTransfer
Record UpdatedAug 18, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address10327 PAYNE RD, 10327, SEBRING, FL 33875-9401

Transferred To (Grantee/Buyer)

NameVerified Name
Address10327 PAYNE RD, SEBRING, FL 33875-9401

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address10327 PAYNE RD, SEBRING, FL 33875-9401
Document Number0001940160
Instrument DateApr 24, 2019
Transaction TypeMortgage
Record UpdatedMay 22, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10327 PAYNE RD SEBRING FL 338759401, SEBRING, FL 33875-9401

Mortgage

Document Number0001940160
DateMay 14, 2019
Book Page002692/000670
Instrument1940160
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
AmountAmount Recorded
Term360 Months
DueMay 13, 2049
Interest
Rate TypeFixed Rate
Rate4.37%

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$218,347 (+6.07%) Land $19,487 Building $198,860$393,906 (-9.37%)
2024$2,704.00 (+2.39%)
2023$2,641.00 (+1.34%) Homeowner's exemption$205,860 (+2.87%)$434,645 (+12.42%)
2022$2,606.00 Homeowner's exemption$200,120$386,643

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies22 in force
Nearby Flood Claims7 (2017–2024)
Claims Outside the SFHA1 of 7
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 2 claims
  • Hurricane Helene, Sep 2024 · 2 claims
  • Hurricane Irma, Sep 2017 · 2 claims

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 RiskHigh
above 76% of the US · above 63% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
burnable vegetation

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 27 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
Rapid Systems
Fixed Wireless		50 / 10

May also be available: CenturyLink.

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