9806 Payne Rd, Sebring, FL 33875 Property Records

Highlands County property record for 9806 Payne Rd, Sebring, FL 33875 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,248 sqft · built 1985
Lot Size	1 acres (43,679 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Mar 2017)
Tax Bill	$1,505 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C365801000200000`

Property Details

APN / Parcel Number

Primary APN	`C365801000200000`
Alternative APN	`C-36-35-28-010-0020-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,248 sqft Living Area
1st Floor Area	1,838 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,679 sqft (1 acres)
Lot Dimensions	312 ft deep x 140 ft wide
Garage Type	Finished
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	416 sqft
Patio Area	156 sqft
Fence	Fence
Shed	1 Shed
Shed Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	C365801000200000
Street Address	9806 PAYNE RD
City	SEBRING
State	FL
Zip	33875-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STRODAN ACRES PB 14 PG 13 LOT 2 1 ACRE M/L
Legal Range	28E
Legal Township	35S
Legal Section	36
Legal Subdivision	STRODAN ACRES
Legal Lot Number	2 1
Jurisdiction	HIGHLANDS FL
Township / Civil Division	LAKE PLACID
Census Block Group	1
Census Block	1016
Census Tract	961401

Owner

Source: Highlands County records · APN C365801000200000

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	9806 PAYNE RD, SEBRING, FL 33875-9423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 09, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 29, 2017	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 29, 2017 · Amount on Record
Deed Sale	Mar 29, 2017 · Amount on Record
Deed Document Number	1847496
Deed Book / Page	2572 / 1854
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLANDS FL
Property Address	9806 PAYNE RD, SEBRING, FL 33875-9423
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9806 PAYNE RD, SEBRING, FL 33875-9423

Mortgage

Document Number	0002082001
Date	Mar 09, 2022
Book Page	2889/1281
Instrument	2082001

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIGHLANDS FL
Recording Date	Mar 29, 2017
Property Address	9806 PAYNE RD, SEBRING, FL 33875-9423
Document Number	0001847496
Book / Page	002572 / 001854
Instrument Date	Mar 22, 2017
Instrument	1847496
Transaction Type	Transfer
Record Updated	Apr 07, 2017
Title Company	WAUCHULA ABSTRACT AND TITLE COMPANY, WAUCHULA ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 462 WAUCHULA FL 338730462, WAUCHULA, FL 33873-0462

Mortgage

Document Number	1847497
Date	Mar 29, 2017
Book Page	002572/001855
Instrument	1847497

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

Tax Assessment & Valuation

Source: Highlands County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Highlands County
Unified School District	Highlands County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$130,287 (+8.79%)	$233,242 (-7.75%) Land $20,000 Building $213,242
2024	$1,505.00 (+3.58%)
2023	$1,453.00 (+2.54%) Homeowner's exemption	$119,765 (+3%)	$252,829 (+7.77%) Land $15,000 Building $237,829
2022	$1,417.00 Homeowner's exemption	$116,277	$234,610 Land $11,500 Building $223,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highlands County (12055C), updated November 17, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120559614011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	About 1 in 223 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
Rapid Systems	Fixed Wireless (licensed-by-rule)	50 / 10
Lumen Technologies	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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