Highlands County property record for 11657 Payne Rd, Sebring, FL 33875 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,229 sqft · built 1980 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $86,000 (Oct 2010) |
| Tax Bill | $942 (2024) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C0268A0000600000 |
| Primary APN | C0268A0000600000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,229 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 234 ft deep x 187 ft wide |
| Driveway | Driveway |
| Driveway Area | 1,050 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C0268A0000600000 |
|---|---|
| Street Address | 11657 PAYNE RD |
| City | SEBRING |
| State | FL |
| Zip | 33875-9566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 187 FT OF S 664 FT OF W 234 FT OF E 259 FT OF SE 1/4 OF SEC 2 2-36-28/6 1.01 ACRES |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 02 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 961602 |
Source: Highlands County records · APN C0268A0000600000
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 11657 PAYNE RD, SEBRING, FL 33875-9566 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 22, 2010 · Amount on Record |
| Deed Sale | Oct 22, 2010 · Amount on Record |
| Prior Sale | Nov 06, 2008 · Amount on Record |
| Deed Document Number | 0022581384 |
| Deed Book / Page | 2258 / 1384 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 11657 PAYNE RD, SEBRING, FL 33875-9566 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0001913516 |
|---|---|
| Date | Oct 03, 2018 |
| Book Page | 2658/1346 |
| Instrument | 1913516 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $90,029 (+2.9%) | $158,584 (-23.5%) Land $22,500 Building $136,084 | |
| 2024 | $942.00 (+4.32%) Homeowner's exemption | $87,492 (+3%) | $207,306 (+4.82%) Land $22,500 Building $184,806 |
| 2023 | $903.00 (+26.47%) Homeowner's exemption | $84,944 (+30.67%) | $197,773 (+33.95%) Land $17,500 Building $180,273 |
| 2022 | $714.00 Homeowner's exemption | $65,006 | $147,643 Land $15,000 Building $132,643 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559616021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 25 individual NFIP policies nearby |
| 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, rainfall accumulation, Hurricane Milton |
| Claims By Storm |
|
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 230 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| Rapid Systems | Fixed Wireless (licensed-by-rule) | 50 / 10 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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