Highlands County property record for 11990 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,408 sqft · built 2023 |
| Lot Size | 4.86 acres (211,702 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $455,000 (Sep 2023) |
| Tax Bill | $4,456 (2024) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C-12-36-28-A00-001C-0061 |
| Primary APN | C-12-36-28-A00-001C-0061 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 211,702 sqft (4.86 acres) |
| Garage Type | Finished |
| Garage Area | 260 sqft |
| Driveway | Driveway |
| Driveway Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 11990 PAYNE RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9571 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | S 1/2 OF SW 1/4 OF NW 1/4 OF N |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 961401 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 11990 PAYNE RD, SEBRING, FL 33875-9571 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2023 · Amount on Record |
| Deed Sale | Sep 1, 2023 · Amount on Record |
| Deed Document Number | 2167505 |
| Deed Book / Page | 2996 / 1126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Recording Date | Sep 1, 2023 |
| Property Address | 11990 PAYNE RD, SEBRING, FL 33875-9571 |
| Document Number | 0002167505 |
| Book / Page | 2996 / 1126 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2167505 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | SOUTH RIDGE ABSTRACT AND TITLE, SOUTH RIDGE ABSTRACT & TTL C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 OTTER TRL, SEBRING, FL 33875-6326 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 11990 PAYNE RD, SEBRING, FL 33875-9571 |
| Document Number | 0029961128 |
|---|---|
| Date | Sep 1, 2023 |
| Instrument | 2996/1128 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
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 | $277,857 (+226.7%) Land $89,910 Building $187,947 | $277,857 (+226.7%) Land $89,910 Building $187,947 | |
| 2024 | $4,456.00 (+205.41%) | ||
| 2023 | $1,459.00 (+18,137.5%) | $85,050 (+13,357.28%) Land $85,050 | $85,050 (+5,749.38%) Land $85,050 |
| 2022 | $8.00 | $632 Land $632 | $1,454 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| 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 · 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 | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 19 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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