Highlands County property record for 10825 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,806 sqft · built 1996 |
| Lot Size | 5 acres (217,803 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $333,000 (Nov 2020) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C026801000110000 |
| Primary APN | C026801000110000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,806 sqft Living Area |
| 1st Floor Area | 1,290 sqft |
| Upper Floors Area | 516 sqft |
| Flooring | Wood |
| Interior Walls | Unfinished |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 217,803 sqft (5 acres) |
| Lot Dimensions | 431 ft deep x 506 ft wide |
| Driveway | Asphalt Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 390 sqft |
| Patio Area | 228 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10825 PAYNE RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | HENSCRATCH ESTATES UNREC S 505.69 FT OF TR 1 BEING A PORT OF NE 1/4 OF SEC 2-36-28 |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 02 |
| Legal Subdivision | HENSCRATCH ESTATES |
| Legal Tract | 1 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 961602 |
Source: Highlands County records, as of June 2, 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 | 10825 PAYNE RD, SEBRING, FL 33875-9533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Line of Credit HEARTLAND NATIONAL BANK |
| Nov 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage HEARTLAND NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on Record |
| Deed Sale | Nov 2, 2020 · Amount on Record |
| Prior Sale | Nov 2, 2020 · Amount on Record |
| Deed Document Number | 202027811142 |
| Deed Book / Page | 2781 / 1142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 10825 PAYNE RD, SEBRING, FL 33875-9533 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002050977 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 2847/292 |
| Instrument | 2050977 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 13, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Nov 2, 2020 |
| Property Address | 10825 PAYNE RD, SEBRING, FL 33875-9533 |
| Document Number | 0002004892 |
| Book / Page | 2781 / 1142 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 2004892 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | HEARTLAND TITLE INS AGCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,331.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10825 PAYNE RD, 10825, SEBRING, FL 33875-9533 |
| Name | Verified Name |
|---|---|
| Address | 10825 PAYNE RD, SEBRING, FL 33875-9533 |
| Document Number | 0027811144 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2781/1144 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
Source: Highlands County assessment roll, as of December 10, 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 | $3,126.00 (+3.1%) Homeowner's exemption | $245,820 (+5.99%) | $327,131 (-16.89%) Land $92,500 Building $234,631 |
| 2024 | $3,032.00 (+2.02%) | ||
| 2023 | $2,972.00 (+1.4%) Homeowner's exemption | $231,934 (+3%) | $393,624 (+21.7%) Land $75,000 Building $318,624 |
| 2022 | $2,931.00 Homeowner's exemption | $225,179 | $323,437 Land $60,000 Building $263,437 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 7 (2001–2024) |
| Claims Outside the SFHA | 6 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 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 31 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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