Highlands County property record for 10944 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 5,187 sqft · built 1990 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | Individual Name on File |
| Last Sale | $849,900 (Apr 2024) |
| Tax Bill | $4,164 (2024) |
| Deeds & Mortgages | Apr 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C-01-36-28-020-0000-0060 |
| Primary APN | C-01-36-28-020-0000-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 5,187 sqft Living Area |
| 1st Floor Area | 3,813 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,776 sqft (1.51 acres) |
| Lot Dimensions | 337 ft deep x 195 ft wide |
| Garage Area | 585 sqft |
| Driveway | Driveway |
| Driveway Area | 144 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 1,088 sqft |
| Porch | Porch |
| Porch Area | 567 sqft |
| Patio Area | 7,607 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Street Address | 10944 PAYNE RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | QUAIL RIDGE PB 13-PG 17 LOT 6 |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 01 |
| Legal Subdivision | QUAIL RIDGE SUB |
| Legal Lot Number | 6 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 961401 |
Source: Highlands County records · APN C-01-36-28-020-0000-0060
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 10944 PAYNE RD, SEBRING, FL 33875-9720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on Record |
| Deed Sale | Apr 15, 2024 · Amount on Record |
| Prior Sale | Mar 20, 2014 · Amount on Record |
| Deed Document Number | 2198564 |
| Deed Book / Page | 3037 / 329 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Apr 15, 2024 |
| Property Address | 10944 PAYNE RD, SEBRING, FL 33875-9720 |
| Document Number | 0002198564 |
| Book / Page | 3037 / 329 |
| Map Reference | MB 13 PG 17 |
| Instrument Date | Apr 10, 2024 |
| Instrument | 2198564 |
| Transaction Type | Transfer |
| Record Updated | May 01, 2024 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,949.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2824 OAK BEACH BLVD, SEBRING, FL 33875-6417 |
| Name | Verified Name |
|---|---|
| Address | 10944 PAYNE RD, SEBRING, FL 33875-9720 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $330,008 (+9.6%) | $486,665 (-24.16%) Land $30,200 Building $456,465 | |
| 2024 | $4,164.00 | ||
| 2023 | Homeowner's exemption | $301,109 (+3%) | $641,731 (+19.68%) Land $26,425 Building $615,306 |
| 2022 | $4,017.00 Homeowner's exemption | $292,339 | $536,186 Land $22,650 Building $513,536 |
Source: FEMA National Flood Hazard Layer as of November 17, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Lumen Technologies DSL | 60 / 5 |
| Rapid Systems Fixed Wireless | 50 / 10 |
Based on FCC filings for 31 locations within half a mile of this property.
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