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11812 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 11812 Payne Rd, Sebring, FL 33875

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,446 sqft · built 2007
Lot Size2.43 acres (105,851 sqft)
Owner2 Individual Names on Record
Tax Bill$2,383 (2024)
Deeds & MortgagesMay 2020 Construction Loan
Dec 2018 Sale
Flood ZoneZone X (minimal risk)
APNC1268A0000120000

Property Details

APN / Parcel Number

Primary APNC1268A0000120000
Alternative APN
  • C-12-36-28-A00-0012-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area2,446 sqft Living Area
1st Floor Area1,486 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area105,851 sqft (2.43 acres)
Garage TypeFinished
Garage Area483 sqft
DrivewayDriveway
Driveway Area1,761 sqft
PorchFinished/Screened Porch
Porch Area372 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC1268A0000120000
Street Address11812 PAYNE RD
CitySEBRING
StateFL
Zip33875-9521
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAU
Legal DescriptionNW 1/4 OF NW 1/4 OF
Legal Range28E
Legal Township36S
Legal Section12
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1061
Census Tract961401

Owner

Source: Highlands County records, as of December 12, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address11812 PAYNE RD, SEBRING, FL 33875-9521
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 27, 2020Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND NATIONAL BANK
Dec 26, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 15, 2019
Deed SaleNov 15, 2019
Prior SaleDec 26, 2018
Deed Document Number0027231077
Record UpdatedJun 8, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address11812 PAYNE RD, SEBRING, FL 33875-9521
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001986696
DateMay 27, 2020
Book Page2754/1493
Instrument1986696
Lender
NameHEARTLAND NATIONAL BANK
TypeBank
AddressLAKE PLACID, FL 33852
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateDec 26, 2018
Property Address11812 PAYNE RD, SEBRING, FL 33875-9521
Document Number0001922963
Book / Page002670 / 001863
Instrument DateDec 26, 2018
Instrument1922963
Transaction TypeTransfer
Record UpdatedJan 10, 2019

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
AddressPO BOX 458 LAKE PLACID FL 338620458, LAKE PLACID, FL 33862-0458

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$194,344 (+5.99%)$296,542 (-23.66%) Land $48,600 Building $247,942
2024$2,383.00 (+2.54%)
2023$2,324.00 (+1.75%) Homeowner's exemption$183,366 (+3%)$388,461 (+23.52%) Land $42,525 Building $345,936
2022$2,284.00 Homeowner's exemption$178,025$314,486 Land $30,375 Building $284,111

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies22 in force
Nearby Flood Claims7 (2017–2024)
Claims Outside the SFHA1 of 7
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 2 claims
  • Hurricane Helene, Sep 2024 · 2 claims
  • Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 74% of the US · above 60% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

ProviderMax 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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