11401 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 11401 Payne Rd, Sebring, FL 33875

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 5,378 sqft · built 1996
Lot Size	2.44 acres (106,286 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (May 2025)
Tax Bill	$7,370 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C-02-36-28-020-0000-0240`

Property Details

APN / Parcel Number

Primary APN	`C-02-36-28-020-0000-0240`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	5,378 sqft Living Area
1st Floor Area	2,892 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Aluminum Siding
Construction Type	Wood Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	106,286 sqft (2.44 acres)
Lot Dimensions	354 ft deep x 303 ft wide
Garage Type	Finished
Garage Area	681 sqft
Driveway	Driveway
Driveway Area	1,462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	978 sqft
Patio Area	54 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	11401 PAYNE RD
City	SEBRING
State	FL
Zip	33875-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU
Legal Description	EILAND ESTATES PB 13 PG 54 LOT 24
Legal Range	28E
Legal Township	36S
Legal Section	02
Legal Subdivision	EILAND ESTATES
Legal Lot Number	24
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1002
Census Tract	961602

Owner

Source: Highlands County records · APN C-02-36-28-020-0000-0240

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	11401 PAYNE RD, SEBRING, FL 33875-9539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER PROCESSING LLC
Mar 16, 2022	Warranty Deed, Transfer · Balloon Mortgage VON T RUDDLE LIVING TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2025 · Amount on Record
Deed Sale	May 20, 2025 · Amount on Record
Prior Sale	Mar 16, 2022 · Amount on Record
Deed Document Number	2260395
Deed Book / Page	3119 / 1685
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	11401 PAYNE RD, SEBRING, FL 33875-9539
Transaction Type	Mortgage
Record Updated	Oct 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11401 PAYNE RD, SEBRING, FL 33875-9539

Mortgage

Document Number	0002116105
Date	Sep 20, 2022
Book Page	2932/812
Instrument	2116105

Lender

Name	PREMIER PROCESSING LLC
Type	Non-Lending Institution
Address	PHILADELPHIA, PA 19103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2037

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 16, 2022
Property Address	11401 PAYNE RD, SEBRING, FL 33875-9539
Document Number	0002083059
Book / Page	2891 / 381
Map Reference	MB 13 PG 54
Instrument Date	Mar 10, 2022
Instrument	2083059
Transaction Type	Transfer
Record Updated	Apr 01, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,843.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 DAVIS CIR, 2401, SEBRING, FL 33870-2234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11401 PAYNE RD, SEBRING, FL 33875-9539

Mortgage

Document Number	0002891383
Date	Mar 16, 2022
Instrument	2891/383

Lender

Name	VON T RUDDLE LIVING TRUST
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Sep 10, 2022

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

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		$389,719 (-22.52%) Land $48,800 Building $340,919	$389,719 (-22.52%) Land $48,800 Building $340,919
2024	$7,370.00 (-0.09%)
2023	$7,377.00 (+172.01%)	$502,969 (+147.56%) Land $42,700 Building $460,269	$502,969 (+34.29%) Land $42,700 Building $460,269
2022	$2,712.00 Homeowner's exemption Widower's exemption	$203,171	$374,544 Land $30,500 Building $344,044

Flood & Wildfire

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

Flood

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	Hurricane Irma, Sep 2017 · 3 claims

Wildfire

Wildfire Risk	High above 74% of the US · above 60% 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.

Internet Providers

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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