11278 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11278 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	2,003 sqft · built 2019
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$219,017 (Mar 2019)
Tax Bill	$3,113 (2024)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D18C318`

Property Details

APN / Parcel Number

Primary APN	`D18C318`
Alternative APN	`1075477`

Interior

Building Area	2,003 sqft Heated Area

Exterior

Year Built	Built 2019
Construction Type	Steel Frame
Lot Area	7,000 sqft (0.16 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	251 sqft

Location & Zoning

Account Number	1075477
Street Address	11278 BERNING TER
City	OXFORD
State	FL
Zip	34484-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 318 OXFORD OAKS PHASE TWO PB 16 PGS 17-17D
Legal Range	23E
Legal Township	18S
Legal Section	18
Legal Subdivision	OXFORD OAKS PH 2
Legal Phase	2
Legal Lot Number	318
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2038
Census Tract	910100

Owner

Source: Sumter County records, as of December 19, 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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11278 BERNING TER, OXFORD, FL 34484-3555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	201960007457
Deed Book / Page	3532 / 0464
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Mar 4, 2019
Property Address	11278 BERNING TER, OXFORD, FL 34484-3555
Document Number	0035320464
Book / Page	3532 / 0464
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Feb 19, 2019
Instrument	201960007457
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PENINSULA LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3619 KIESSEL RD, 3619, THE VILLAGES, FL 32163-2909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11278 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	201960007458
Date	Mar 4, 2019
Instrument	201960007458

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sumter County
Municipality	Wildwood City
Unified School District	Sumter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$255,740 (+5.98%)	$338,690 (+13.77%) Land $15,750 Building $322,940
2024	$3,113.00 (+12.14%)
2023	$2,776.00 (+2.51%) Additional exemption filed	$241,310 (+3%)	$297,700 (+27.06%) Land $15,750 Building $281,950
2022	$2,708.00 Homeowner's exemption	$234,290 Land $15,000 Building $219,290	$234,290 Land $15,000 Building $219,290

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 September 24, 2026 · 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 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 in force

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 Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILDWOOD, CITY OF (7 WPS) serves 25,941 people · EPA ID FL6600331
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20