Highlands County property record for 12651 Payne Rd, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 4,587 sqft · built 1981 |
| Lot Size | 2.27 acres (98,881 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $1,412 (2024) |
| Deeds & Mortgages | Jun 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C116801200000130 |
| Primary APN | C116801200000130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 4,587 sqft Living Area |
| 1st Floor Area | 2,385 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 98,881 sqft (2.27 acres) |
| Pool Type | Fiberglass Pool |
|---|---|
| Pool Area | 377 sqft |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Deck Area | 320 sqft |
| Patio Area | 420 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 28 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | C116801200000130 |
|---|---|
| Street Address | 12651 PAYNE RD |
| City | SEBRING |
| State | FL |
| Zip | 33875-9687 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AU |
| Legal Description | SUNSHINE RANCHETTES REPLAT OF PORTION OF REPLAT PB 13-PG 14 LOT 13 |
| Legal Range | 28E |
| Legal Township | 36S |
| Legal Section | 11 |
| Legal Subdivision | SUNSHINE RANCHETTES RPLT |
| Legal Lot Number | 13 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | LAKE PLACID |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 961602 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 12651 PAYNE RD, SEBRING, FL 33875-9687 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2005 |
| Deed Sale | Mar 3, 2005 |
| Deed Document Number | 1299260 |
| Deed Book / Page | 1829 / 1388 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 12651 PAYNE RD, SEBRING, FL 33875-9687 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002157229 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 2982/1783 |
| Instrument | 2157229 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 15, 2038 |
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 | $168,958 (+49.87%) | $266,900 (-2.95%) Land $45,400 Building $221,500 | |
| 2024 | $1,412.00 (+3.9%) | ||
| 2023 | $1,359.00 (+4.22%) Homeowner's exemption | $112,736 (+4.3%) | $274,999 (+24.01%) Land $39,725 Building $235,274 |
| 2022 | $1,304.00 Homeowner's exemption | $108,085 | $221,762 Land $28,375 Building $193,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 7 (2001–2024) |
| Claims Outside the SFHA | 6 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 | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 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 |
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