Highlands County property record for 10419 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 5,237 sqft · built 2005 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (May 2019) |
| Tax Bill | $4,258 (2024) |
| Deeds & Mortgages | Apr 2020 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C355801000100260 |
| Primary APN | C355801000100260 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 5,237 sqft Living Area |
| 1st Floor Area | 4,670 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Finished |
| Garage Area | 728 sqft |
| Driveway | Driveway |
| Driveway Area | 1,950 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 428 sqft |
| Patio Area | 618 sqft |
| Shed | 1 Shed |
| Shed Area | 154 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C355801000100260 |
|---|---|
| Street Address | 10419 PAYNE RD |
| City | SEBRING |
| State | FL |
| Zip | 33875-9448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | SOMERVALE DOWNS PB 12/35 LOT 26 BLK 1 5 ACRES |
| Legal Range | 28E |
| Legal Township | 35S |
| Legal Section | 35 |
| Legal Subdivision | SOMERVALE DOWNS |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 961401 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2020 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY CAPITAL MORTGAGE INC |
| May 1, 2019 | Warranty Deed, Transfer HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Oct 21, 2018 | Loan Modification, Mortgage WAUCHULA ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2019 · Amount on Record |
| Deed Sale | May 1, 2019 · Amount on Record |
| Prior Sale | Jun 3, 2004 · Amount on Record |
| Deed Document Number | 1938748 |
| Deed Book / Page | 2690 / 0891 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001983044 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 2749/727 |
| Instrument | 1983044 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 7, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HEARTLAND TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Document Number | 0002011118 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 2790/752 |
| Instrument | 2011118 |
| Name | GATEWAY CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PETERSBURG, FL 33701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | May 1, 2019 |
| Property Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Document Number | 0001938748 |
| Book / Page | 002690 / 000891 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 1938748 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2019 |
| Title Company | HEARTLAND TITLE COMPANY, HEARTLAND TITLE INSURANCE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,940.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10419 PAYNE RD SEBRING FL 338759448, SEBRING, FL 33875-9448 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 10419 PAYNE RD, SEBRING, FL 33875-9448 |
| Document Number | 0001919463 |
| Instrument Date | Oct 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10419 PAYNE RD SEBRING FL 338759448, SEBRING, FL 33875-9448 |
| Document Number | 0001919463 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 002666/000484 |
| Instrument | 1919463 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | LAKE PLACID, FL 33852 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Nov 25, 2023 |
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 | $331,146 (+5.99%) | $543,975 (-4.24%) Land $92,500 Building $451,475 | |
| 2024 | $4,258.00 | ||
| 2023 | Homeowner's exemption | $312,440 (+3%) | $568,049 (+7.48%) Land $60,000 Building $508,049 |
| 2022 | $4,206.00 Homeowner's exemption | $303,340 | $528,508 Land $50,000 Building $478,508 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (2017–2024) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 60 / 5 |
| Rapid Systems Fixed Wireless | 50 / 10 |
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