11902 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 11902 Payne Rd, Sebring, FL 33875 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,918 sqft · built 1990
Lot Size	2.32 acres (101,495 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jul 2023)
Tax Bill	$1,518 (2024)
Deeds & Mortgages	Feb 2026 Transfer Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C1268A0000120010`

Property Details

APN / Parcel Number

Primary APN	`C1268A0000120010`
Alternative APN	`C-12-36-28-A00-0012-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,918 sqft Living Area
1st Floor Area	1,287 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	101,495 sqft (2.32 acres)
Garage Type	Finished
Garage Area	264 sqft
Driveway	Driveway
Driveway Area	790 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	791 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C1268A0000120010
Street Address	11902 PAYNE RD
City	SEBRING
State	FL
Zip	33875-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF W 1/2 OF NW 1/4 OF NW 1/4 OF NW 1/4 LESS RD R/W 2.33 ACRES
Legal Range	28E
Legal Township	36S
Legal Section	12
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1061
Census Tract	961401

Owner

Source: Highlands County records · APN C1268A0000120010

Assessment roll updated July 1, 2025 · Last verified February 2026

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	11902 PAYNE RD, SEBRING, FL 33875-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 03, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 21, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 22, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Jul 21, 2023 · Amount on Record
Deed Document Number	0002161358
Deed Book / Page	2988 / 835
Last Transfer Date	Feb 03, 2026
Transfer Doc	0002297861
Record Updated	Jun 08, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HIGHLANDS FL
Recording Date	Feb 03, 2026
Property Address	11902 PAYNE RD, SEBRING, FL 33875-9571
Document Number	0002297861
Book / Page	3171 / 472
Instrument Date	Feb 02, 2026
Instrument	2297861
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11902 PAYNE RD, SEBRING, FL 33875-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11902 PAYNE RD, SEBRING, FL 33875-9571

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Jul 21, 2023
Property Address	11902 PAYNE RD, SEBRING, FL 33875-9571
Document Number	0002161358
Book / Page	2988 / 835
Instrument Date	Jul 17, 2023
Instrument	2161358
Transaction Type	Transfer
Record Updated	Aug 08, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 MARTHA AVE, CLIFTON, NJ 07011-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11902 PAYNE RD, SEBRING, FL 33875-9571

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 22, 2023
Property Address	11902 PAYNE RD, SEBRING, FL 33875-9571
Document Number	0002142231
Book / Page	2963 / 1914
Instrument Date	Dec 27, 2022
Instrument	2142231
Transaction Type	Transfer
Record Updated	Mar 31, 2023
Title Company	NU WORLD TITLE/MIAMI BCH LLC, NU WORLD TTL OF MIAMI BEACH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 FAIRWAY DR, VENICE, FL 34285-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MARTHA AVE, CLIFTON, NJ 07011-3513

Mortgage

Document Number	0029631916
Date	Mar 22, 2023
Instrument	2963/1916

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2053

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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		$130,628 (-50.83%)	$207,787 (-21.79%) Land $43,000 Building $164,787
2024	$1,518.00 (-61.41%)
2023	$3,934.00 (+217.51%)	$265,673 (+151.53%) Land $37,625 Building $228,048	$265,673 (+25.51%) Land $37,625 Building $228,048
2022	$1,239.00 Homeowner's exemption	$105,622	$211,680 Land $26,875 Building $184,805

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559614011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 500 ft
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (2017–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2024, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	About 1 in 210 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.

Internet Providers

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.

Mobile Coverage

5G and 4G LTE

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