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12460 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 12460 Payne Rd, Sebring, FL 33875

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,190 sqft · built 1977
Lot Size4.84 acres (211,266 sqft)
OwnerIndividual Name on Record
Last Sale$429,000 (Jan 2025)
Tax Bill$3,796 (2024)
Deeds & MortgagesJan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC126801100000201

Property Details

APN / Parcel Number

Primary APNC126801100000201
Alternative APN
  • C-12-36-28-011-0000-0201

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area2,190 sqft Living Area
1st Floor Area1,704 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1981
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area211,266 sqft (4.84 acres)
Lot Dimensions319 ft deep x 50 ft wide
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area952 sqft
Patio Area144 sqft
Shed1 Shed
Shed Area640 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Old Parcel NumberC126801100000201
Street Address12460 PAYNE RD
CitySEBRING
StateFL
Zip33875-9581
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAU
Legal DescriptionSUNSHINE ACRES PB 12 PG 23 W 1/2 OF LOT 20 + A 50 FT WIDE TRACT CONTIG TO NO SIDE OF W 1/2 OF LOT 20 PER OR 548-PG 690 + OR
Legal Range28E
Legal Township36S
Legal Section12
Legal SubdivisionSUNSHINE ACRES
Legal Tract20
Legal Lot Number20
JurisdictionHIGHLANDS FL
Township / Civil DivisionLAKE PLACID
Census Block Group1
Census Block1062
Census Tract961401

Owner

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 RecordIndividual Name on Record
Mailing Address12460 PAYNE RD, SEBRING, FL 33875-9581
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 27, 2025 · Amount on Record
Deed SaleJan 27, 2025 · Amount on Record
Prior SaleJul 25, 2005 · Amount on Record
Deed Document Number0030981786
Deed Book / Page2617 / 1124
Prior Transfer DateJan 22, 2018
Prior Transfer Doc1881193
Record UpdatedJun 8, 2026

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHIGHLANDS FL
Recording DateJan 22, 2018
Property Address12460 PAYNE RD, SEBRING, FL 33875-9581
Document Number0001881193
Book / Page2617 / 1124
Map ReferenceMB12 PG23
Instrument DateJan 22, 2018
Instrument1881193
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2451 SW 142ND PL, 2451, MIAMI, FL 33175-7099

Transferred To (Grantee/Buyer)

NameVerified Name
Address14725 BALGOWAN RD APT 102, 102, MIAMI LAKES, FL 33016-6470
InvestorPossibly a Property Investor

Mortgage

Document Number0001881194
DateJan 22, 2018
Instrument1881194
Lender
NameNEW PENN FINANCIAL LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2048

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$266,206 (-16.95%) Land $83,065 Building $183,141$266,206 (-16.95%) Land $83,065 Building $183,141
2024$3,796.00 (+3.52%)
2023$3,667.00 (+12.38%)$320,546 (+22.45%) Land $67,350 Building $253,196$320,546 (+22.45%) Land $67,350 Building $253,196
2022$3,263.00$261,767 Land $53,880 Building $207,887$261,767 Land $53,880 Building $207,887

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 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% 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 20 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: AT&T, Conexon Connect.

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