Highlands County property record for 11785 Payne Rd, Sebring, FL 33875
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 3,546 sqft · built 1955 |
| Lot Size | 7.48 acres (326,264 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jun 2018) |
| Tax Bill | $1,601 (2024) |
| Deeds & Mortgages | Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C0268A0000500000 |
| Primary APN | C0268A0000500000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 3,546 sqft Living Area |
| 1st Floor Area | 2,343 sqft |
| 2nd Floor Area | 640 sqft |
| Upper Floors Area | 640 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Aluminum Siding |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 326,264 sqft (7.48 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 192 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 1,800 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C0268A0000500000 |
|---|---|
| Street Address | 11785 PAYNE RD |
| City | SEBRING |
| State | FL |
| Zip | 33875-9568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AU |
| Legal Description | W 330 FT OF E 1320 FT OF S 996 FT OF SEC 2 7.52 AC |
| 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, 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 | 11785 PAYNE RD, SEBRING, FL 33875-9568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2018 · Amount on Record |
| Deed Sale | Jun 20, 2018 · Amount on Record |
| Deed Document Number | 0026421098 |
| Prior Transfer Date | Apr 14, 2009 |
| Prior Transfer Doc | 1540886 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Jun 26, 2018 |
| Property Address | 11785 PAYNE RD, SEBRING, FL 33875-9568 |
| Document Number | 0001901597 |
| Book / Page | 2642 / 1098 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 1901597 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1002 SW GRASSY LN, 1002, FORT WHITE, FL 32038-3946 |
| Name | Verified Name |
|---|---|
| Address | 11785 PAYNE RD, SEBRING, FL 33875-9568 |
| Document Number | 0001901598 |
|---|---|
| Date | Jun 26, 2018 |
| Instrument | 1901598 |
| Name | HEARTLAND NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $98,741 (-5.59%) Land $20,008 Building $78,733 | $212,249 (-18.98%) | |
| 2024 | $1,601.00 (-2.85%) | ||
| 2023 | $1,648.00 (+9.28%) Homeowner's exemption | $104,590 (+7.37%) | $261,980 (+41.77%) |
| 2022 | $1,508.00 Homeowner's exemption | $97,413 | $184,794 |
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.
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 |
|---|---|
| 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 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Rapid Systems Fixed Wireless | 50 / 10 |
May also be available: CenturyLink.
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