11285 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11285 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	1,918 sqft · built 2019
Lot Size	0.239 acres (10,389 sqft)
Owner	2 Individual Names on File
Last Sale	$268,586 (Aug 2019)
Tax Bill	$1,512 (2025)
Deeds & Mortgages	Apr 2021 Transfer Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181823D18C314`

Property Details

APN / Parcel Number

Primary APN	`181823D18C314`
Alternative APNs	`D18C314` `1075473`

Interior

Building Area	1,918 sqft Living Area
Gross Area	2,826 sqft
1st Floor Area	1,918 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	10,389 sqft (0.239 acres)
Garage Type	Attached
Garage Area	674 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	276 sqft

Location & Zoning

Street Address	11285 BERNING TER
City	OXFORD
State	FL
Zip	34484-3556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 314 OXFORD OAKS PHASE TWO PB 16 PGS 17-17D
Legal Range	23E
Legal Township	18S
Legal Section	18
Legal Subdivision	OXFORD OAKS PHASE TWO
Legal Lot Number	314
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2051
Census Tract	910100

Owner

Source: Sumter County assessment roll, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11285 BERNING TER, OXFORD, FL 34484-3556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Intrafamily Transfer, Transfer
Aug 20, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Deed Document Number	201932637
Deed Book / Page	3615 / 252
Last Transfer Date	Mar 22, 2021
Transfer Doc	0039770800
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMTER FL
Recording Date	Apr 15, 2021
Property Address	11285 BERNING TER, OXFORD, FL 34484-3556
Document Number	0039770800
Book / Page	3977 / 800
Map Reference	MB 16 PG 17-17D
Instrument Date	Mar 22, 2021
Instrument	202160020654
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11285 BERNING TER, OXFORD, FL 34484-3556

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Aug 20, 2019
Property Address	11285 BERNING TER, OXFORD, FL 34484-3556
Document Number	0036150252
Book / Page	3615 / 0252
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Aug 8, 2019
Instrument	201960032637
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PENNISULA LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.20
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
Relationship	Joint Tenants with Right of Survivorship
Address	11285 BERNING TER, OXFORD, FL 34484-3556

Mortgage

Document Number	0003615253
Date	Aug 20, 2019
Instrument	3615/253

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of January 26, 2026

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	$1,512.00 (+4.78%) Additional exemption filed	$126,080 (+5.98%)	$306,130 (+19.99%) Land $23,370 Building $282,760
2024	$1,443.00 (+24.4%)
2023	$1,160.00 (+14.62%) Additional exemption filed	$118,970 (+10.42%)	$255,130 (+10.15%) Land $23,370 Building $231,760
2022	$1,012.00 Homeowner's exemption	$107,740	$231,620 Land $15,000 Building $216,620

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.

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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