Highlands County property record for 11085 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 4,065 sqft · built 1995 |
| Lot Size | 2.88 acres (125,453 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $17,000 (Apr 1995) |
| Tax Bill | $2,251 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | C026804000000040 |
| Primary APN | C026804000000040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Stories | 1 Story |
| Building Area | 4,065 sqft Living Area |
| 1st Floor Area | 3,594 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Aluminum Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 125,453 sqft (2.88 acres) |
| Lot Dimensions | 531 ft deep x 236 ft wide |
| Garage Area | 352 sqft |
| Driveway | Driveway |
| Driveway Area | 3,213 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 978 sqft |
| Patio Area | 20 sqft |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|
| Old Parcel Number | C026804000000040 |
|---|---|
| Street Address | 11085 PAYNE RD |
| City | SEBRING |
| State | FL |
| Zip | 33875-9535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | FOREST RIDGE PB 15 PG 137 LOT 4 2.8 ACRES |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 02 |
| Legal Subdivision | FOREST |
| Legal Lot Number | 4 2 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 961602 |
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 | PO BOX 3771, SEBRING, FL 33871-3771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 1995 · Amount on Record |
| Deed Sale | Apr 19, 1995 · Amount on Record |
| Deed Document Number | 0001293659 |
| Record Updated | Jun 8, 2026 |
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 | $173,655 (+5.99%) | $323,177 (-22.63%) Land $57,600 Building $265,577 | |
| 2024 | $2,251.00 (+37.17%) | ||
| 2023 | $1,641.00 (-22.85%) Homeowner's exemption | $163,846 (+3%) | $417,685 (+23.97%) Land $50,400 Building $367,285 |
| 2022 | $2,127.00 Homeowner's exemption | $159,074 | $336,911 Land $36,000 Building $300,911 |
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 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 79% of the US · above 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 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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