1. Home
  2. Florida
  3. Highlands County
  4. Sebring
  5. Payne Rd

12165 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 12165 Payne Rd, Sebring, FL 33875

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,176 sqft · built 1993
Lot Size2.37 acres (103,233 sqft)
OwnerIndividual Name on Record
Last Sale$262,000 (Aug 2021)
Tax Bill$2,400 (2024)
Deeds & MortgagesJun 2023 Transfer
May 2023 Transfer
+ 5 more
Flood ZoneZone X (minimal risk)
APNC-11-36-28-012-0000-0010

Property Details

APN / Parcel Number

Primary APNC-11-36-28-012-0000-0010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Units2 Units
Stories1 Story
Building Area1,176 sqft Living Area
Gross Area1,406 sqft
1st Floor Area1,176 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2009
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area103,233 sqft (2.37 acres)
DrivewayConcrete Driveway
Driveway Area640 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchScreened Porch
Porch Area230 sqft
Patio Area96 sqft
Shed1 Shed
Shed Area600 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address12165 PAYNE RD
CitySEBRING
StateFL
Zip33875-9576
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAU
Legal DescriptionSUNSHINE RANCHETTES REPLAT OF PORTION OF REPLAT PB 13-PG 14 LOT 1
Legal Range28E
Legal Township36S
Legal Section11
Legal SubdivisionSUNSHINE RANCHETTES RPLT
Legal Lot Number1
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1008
Census Tract961602

Owner

Source: Highlands County records, as of December 10, 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 RecordIndividual Name on Record
Mailing Address12165 PAYNE RD, SEBRING, FL 33875-9576
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
May 8, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Aug 16, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 10, 2021Warranty Deed, Transfer · Balloon Mortgage
CIRCLE 5 RANCH LLC
Mar 26, 2020Warranty Deed, Transfer
ATTORNEY ONLY
Nov 24, 2017Deed of Trust, Mortgage
CENTERSTATE BK NA
Nov 24, 2017Deed of Trust, Mortgage · Line of Credit
CENTERSTATE BK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 16, 2021 · Amount on Record
Deed SaleAug 16, 2021 · Amount on Record
Prior SaleFeb 10, 2021 · Amount on Record
Deed Document Number20212048997
Deed Book / Page2844 / 844
Last Transfer DateJun 28, 2023
Transfer Doc0002158087
Record UpdatedSep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHIGHLANDS FL
Recording DateJun 29, 2023
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0002158087
Book / Page2984 / 103
Map ReferenceMB 13 PG 14
Instrument DateJun 28, 2023
Instrument2158087
Transaction TypeTransfer
Record UpdatedAug 1, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address510 GRAPEFRUIT AVE # AVE10A, AVE10A, SEBRING, FL 33870-3567

Transferred To (Grantee/Buyer)

NameVerified Name
Address12165 PAYNE RD, SEBRING, FL 33875-9576

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHIGHLANDS FL
Recording DateMay 8, 2023
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0002149748
Book / Page2973 / 774
Map ReferenceMB 13 PG 14
Instrument DateApr 14, 2023
Instrument2149748
Transaction TypeTransfer
Record UpdatedMay 22, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address510 GRAPEFRUIT AVE # AVE101A, AVE101A, SEBRING, FL 33870-3567

Transferred To (Grantee/Buyer)

NameVerified Name
Address12165 PAYNE RD, SEBRING, FL 33875-9576

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateAug 16, 2021
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0002048997
Book / Page2844 / 844
Map ReferenceMB 13 PG 14
Instrument DateAug 9, 2021
Instrument2048997
Transaction TypeTransfer
Record UpdatedMay 4, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,834.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 3771, SEBRING, FL 33871-3771

Transferred To (Grantee/Buyer)

NameVerified Name
Address1727 NW 11TH ST, CAPE CORAL, FL 33993-5949

Mortgage

Document Number0002844846
DateAug 16, 2021
Instrument2844/846
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateFeb 10, 2021
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0002018732
Book / Page2801 / 1346
Map ReferenceMB 13 PG 14
Instrument DateFeb 8, 2021
Instrument2018732
Transaction TypeTransfer
Record UpdatedMay 4, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$910.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5521 WHIPPOORWILL RD, SEBRING, FL 33875-6317

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 3771, SEBRING, FL 33871-3771
InvestorPossibly a Property Investor

Mortgage

Document Number0028011348
DateFeb 10, 2021
Instrument2801/1348
Lender
NameCIRCLE 5 RANCH LLC
TypeNon-Lending Institution
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term60 Months
DueFeb 25, 2026
Interest
Rate4%

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateMar 26, 2020
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0001980730
Book / Page002745 / 001535
Instrument DateMar 25, 2020
Instrument1980730
Transaction TypeTransfer
Record UpdatedApr 23, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5521 WHIPPOORWILL RD SEBRING FL 338756317, SEBRING, FL 33875-6317

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0001880828
Instrument DateNov 24, 2017
Transaction TypeMortgage
Record UpdatedFeb 4, 2019
Title CompanyCOMMUNITY TITLE, COMMUNITY LAND TITLE CORP

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12165 PAYNE RD SEBRING FL 338759576, SEBRING, FL 33875-9576

Mortgage

Document Number0001880828
DateJan 19, 2018
Book Page002617/000255
Instrument1880828
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER PARK, FL 32789
Agreement
AmountAmount Recorded

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIGHLANDS FL
Property Address12165 PAYNE RD, SEBRING, FL 33875-9576
Document Number0001880826
Instrument DateNov 24, 2017
Transaction TypeMortgage
Record UpdatedJan 26, 2018
Title CompanyCOMMUNITY TITLE, COMMUNITY LAND TITLE CORP

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12165 PAYNE RD SEBRING FL 338759576, SEBRING, FL 33875-9576

Mortgage

Document Number0001880826
DateJan 19, 2018
Book Page002617/000234
Instrument1880826
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER PARK, FL 32789
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Highlands County assessment roll, as of December 10, 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$195,166 (-12.9%) Land $47,400 Building $147,766$195,166 (-12.9%) Land $47,400 Building $147,766
2024$2,400.00 (-23.74%)
2023$3,147.00 (+16.34%)$224,081 (+29.78%) Land $41,475 Building $182,606$224,081 (+29.78%) Land $41,475 Building $182,606
2022$2,705.00$172,666 Land $29,625 Building $143,041$172,666 Land $29,625 Building $143,041

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 25 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims7 (2001–2024)
Claims Outside the SFHA6 of 7
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Irma, Sep 2017 · 3 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 RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 15 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

Nearby Properties on Payne Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures