Highlands County property record for 12597 Payne Rd, Sebring, FL 33875 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,611 sqft · built 1994 |
| Lot Size | 2.24 acres (97,574 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Aug 2024) |
| Tax Bill | $2,325 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C-11-36-28-012-0000-0140 |
| Primary APN | C-11-36-28-012-0000-0140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 3,611 sqft Living Area |
| 1st Floor Area | 3,282 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 97,574 sqft (2.24 acres) |
| Garage Area | 576 sqft |
| Driveway | Driveway |
| Driveway Area | 1,091 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 138 sqft |
| Patio Area | 280 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 744 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 12597 PAYNE RD |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-9584 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSHINE RANCHETTES REPLAT OF PORTION OF REPLAT PB 13-PG 14 LOT 14 -LESS W 25 FT 2.24 ACRES |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 11 |
| Legal Subdivision | SUNSHINE RANCHETTES RPLT |
| Legal Lot Number | 14 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 961602 |
Source: Highlands County records · APN C-11-36-28-012-0000-0140
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 12597 PAYNE RD, SEBRING, FL 33875-9584 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2024 · Amount on Record |
| Deed Sale | Aug 15, 2024 · Amount on Record |
| Prior Sale | Jun 24, 2008 · Amount on Record |
| Deed Document Number | 2217889 |
| Deed Book / Page | 3062 / 1453 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 12597 PAYNE RD, SEBRING, FL 33875-9584 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0002055524 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 2853/984 |
| Instrument | 2055524 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
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 | $312,727 (+77.62%) Land $44,800 Building $267,927 | $312,727 (-23.05%) Land $44,800 Building $267,927 | |
| 2024 | $2,325.00 (+0.96%) | ||
| 2023 | $2,303.00 (+1.95%) Homeowner's exemption | $176,070 (+3%) | $406,391 (+22.97%) Land $39,200 Building $367,191 |
| 2022 | $2,259.00 Homeowner's exemption | $170,942 | $330,478 Land $28,000 Building $302,478 |
Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 77% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 164 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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