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11522 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 11522 Payne Rd, Sebring, FL 33875 · Last verified May 2026

Property Summary

Property TypeOrchard (Fruit, Nut)
Details3 bd · 3 ba · 3,949 sqft · built 1983
Lot Size10.6 acres (462,775 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Nov 2018)
Tax Bill$3,311 (2024)
Deeds & MortgagesApr 2026 Mortgage
Feb 2022 Mortgage
+ 3 more
Flood ZoneZone A (high risk)
APNC-01-36-28-A00-0090-0000

Property Details

APN / Parcel Number

Primary APNC-01-36-28-A00-0090-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Units2 Units
Stories2 Stories
Building Area3,949 sqft Gross Area
1st Floor Area750 sqft
Upper Floors Area2,714 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Exterior MaterialWood Siding
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area462,775 sqft (10.6 acres)
Garage TypeCarport
Garage Area500 sqft
CarportCarport
Carport Area500 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
Pool Area48 sqft
PorchFlorida Room
Porch Area1,226 sqft
Patio Area192 sqft
Shed1 Shed
Shed Area800 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address11522 PAYNE RD
CitySEBRING
StateFL
Zip33875-9726
Property CategoryAgriculture or Farming
Property TypeAgriculture / Farming > Orchard (Fruit, Nut)
Legal DescriptionAN IRREG 10.62 ACRE TR IN N 445 FT OF SW 1/4 OF S/W 1/4 OF SEC 1 -LESS W 30 FT RD R/W 1-36-28/9
Legal Range28E
Legal Township36S
Legal Section01
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1061
Census Tract961401

Owner

Source: Highlands County records · APN C-01-36-28-A00-0090-0000

Assessment roll updated December 10, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address11522 PAYNE RD, SEBRING, FL 33875-9726
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2026Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN FINANCIAL CORPORATION
Feb 07, 2022Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP
Feb 06, 2020Deed of Trust, Mortgage
SUPREME LNDG
Nov 27, 2018Warranty Deed, Transfer · Conventional with PMI
SUPREME LNDG
May 01, 2018Loan Modification, Mortgage
HEARTLAND NAT'L BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 27, 2018 · Amount on Record
Deed SaleNov 27, 2018 · Amount on Record
Prior SaleApr 16, 2013 · Amount on Record
Deed Document Number20181919540
Deed Book / Page2666 / 707
Prior Transfer DateJan 02, 2013
Prior Transfer Doc0001693063
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Recording DateApr 27, 2026
Property Address11522 PAYNE RD, SEBRING, FL 33875-9726
Document Number0002310242
Book / Page3188 / 1500
Instrument DateApr 19, 2026
Instrument20262310242
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFITCO

Transferred To (Grantee/Buyer)

NameVerified Name
Address11522 PAYNE RD, SEBRING, FL 33875-9726

Mortgage

Document Number0002310242,
DateApr 27, 2026
Book Page3188/1500
Instrument20262310242
Lender
NameAMERICAN FINANCIAL CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address11522 PAYNE RD, SEBRING, FL 33875-9726
Transaction TypeMortgage
Record UpdatedMar 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address11522 PAYNE RD, SEBRING, FL 33875-9726

Mortgage

Document Number0002076892
DateFeb 07, 2022
Book Page2882/1654
Instrument2076892
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term357 Months
DueNov 01, 2051

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address11522 PAYNE RD, SEBRING, FL 33875-9726
Document Number0001975006
Instrument DateFeb 06, 2020
Transaction TypeMortgage
Record UpdatedFeb 26, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address11522 PAYNE RD SEBRING FL 338759726, SEBRING, FL 33875-9726

Mortgage

Document Number0001975006
DateFeb 11, 2020
Book Page002737/001932
Instrument1975006
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 10, 2050

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateNov 27, 2018
Property Address11522 PAYNE RD, SEBRING, FL 33875-9726
Document Number0001919540
Book / Page002666 / 000707
Instrument DateNov 23, 2018
Instrument1919540
Transaction TypeTransfer
Record UpdatedDec 11, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address11522 PAYNE RD SEBRING FL 338759726, SEBRING, FL 33875-9726

Mortgage

Document Number1919541
DateNov 27, 2018
Book Page002666/000709
Instrument1919541
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 26, 2048

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHIGHLANDS FL
Property Address11522 PAYNE RD, SEBRING, FL 33875-9726
Document Number0001895140
Instrument DateMay 01, 2018
Transaction TypeMortgage
Record UpdatedNov 20, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address11522 PAYNE RD SEBRING FL 338759726, SEBRING, FL 33875-9726

Mortgage

Document Number0001895140
DateMay 03, 2018
Book Page002634/000406
Instrument1895140
Lender
NameHEARTLAND NAT'L BK
TypeBank
AddressSEBRING, FL 33870
Agreement
AmountAmount Recorded
Term60 Months
DueMay 02, 2023

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated December 10, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHighlands County
Unified School DistrictHighlands County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$240,644 (+1.29%)$409,482 (-23.36%) Land $87,834 Building $321,648
2024$3,311.00 (+2.67%)
2023$3,225.00 (+1.51%) Homeowner's exemption$237,573 (+2.84%)$534,303 (+35.24%)
2022$3,177.00 Homeowner's exemption$231,010$395,082

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskHigh
above 75% of the US · above 61% of Florida
Wildfire LikelihoodAbout 1 in 200 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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