11280 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11280 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	1,576 sqft · built 2019
Lot Size	0.162 acres (7,078 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Oct 2024)
Tax Bill	$3,730 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D18C317`

Property Details

APN / Parcel Number

Primary APN	`D18C317`
Alternative APN	`1075476`

Interior

Building Area	1,576 sqft Heated Area

Exterior

Year Built	Built 2019
Construction Type	Steel Frame
Lot Area	7,078 sqft (0.162 acres)
Garage Area	346 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	321 sqft

Location & Zoning

Account Number	1075476
Street Address	11280 BERNING TER
City	OXFORD
State	FL
Zip	34484-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 317 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	317
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11280 BERNING TER, OXFORD, FL 34484-3555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC
Apr 27, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 21, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2024 · Amount on Record
Deed Sale	Oct 14, 2024 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	202460040394
Deed Book / Page	4730 / 52
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	May 7, 2021
Property Address	11280 BERNING TER, OXFORD, FL 34484-3555
Document Number	0039970356
Book / Page	3997 / 356
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Apr 19, 2021
Instrument	202160025524
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11280 BERNING TER, 11280, OXFORD, FL 34484-3555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7209 SE 147TH ST, SUMMERFIELD, FL 34491-3228

Mortgage

Document Number	3997358
Date	May 7, 2021
Instrument	3997/358

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 27, 2020
Property Address	11280 BERNING TER, OXFORD, FL 34484-3555
Document Number	0037460703
Book / Page	3746 / 703
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Apr 8, 2020
Instrument	202060018009
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11280 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	0037460707
Date	Apr 27, 2020
Instrument	3746/0707

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Mar 21, 2019
Property Address	11280 BERNING TER, OXFORD, FL 34484-3555
Document Number	0035400307
Book / Page	3540 / 0307
Map Reference	MB16 PG17&17A-17D
Instrument Date	Mar 8, 2019
Instrument	201960009973
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	$1,455.30
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	11280 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	201960009974
Date	Mar 21, 2019
Instrument	201960009974

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$263,470 (+3.99%) Land $15,930 Building $247,540	$263,470 (+3.99%) Land $15,930 Building $247,540
2024	$3,730.00 (+15.05%)
2023	$3,242.00 (+12.96%)	$253,360 (+23.62%) Land $15,930 Building $237,430	$253,360 (+23.62%) Land $15,930 Building $237,430
2022	$2,870.00	$204,950 Land $15,000 Building $189,950	$204,950 Land $15,000 Building $189,950

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 64% of the US · lower than 90% 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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