11290 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11290 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	1,758 sqft · built 2020
Lot Size	0.221 acres (9,642 sqft)
Owner	Individual Name on Record
Last Sale	$244,064 (Feb 2021)
Tax Bill	$2,554 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D18C344`

Property Details

APN / Parcel Number

Primary APN	`D18C344`
Alternative APN	`1075503`

Interior

Building Area	1,758 sqft Heated Area

Exterior

Year Built	Built 2020
Construction Type	Steel Frame
Lot Area	9,642 sqft (0.221 acres)
Garage Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Location & Zoning

Account Number	1075503
Street Address	11290 BERNING TER
City	OXFORD
State	FL
Zip	34484-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 344 OXFORD OAKS PHASE TWO PB 16 PGS 17-17D
Legal Range	23E
Legal Township	18S
Legal Section	18
Legal Phase	2
Legal Lot Number	344
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2028
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	11290 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	Feb 9, 2021 · Amount on Record
Deed Sale	Feb 9, 2021 · Amount on Record
Deed Document Number	202160006127
Deed Book / Page	3916 / 806
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Feb 9, 2021
Property Address	11290 BERNING TER, OXFORD, FL 34484-3555
Document Number	0039160806
Book / Page	3916 / 806
Map Reference	MB 16 PG 17,17A-17D
Instrument Date	Jan 5, 2021
Instrument	202160006127
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	$1,708.70
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
Relationship	Joint Tenants with Right of Survivorship
Address	11290 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	0000039171
Date	Feb 9, 2021
Instrument	3917/1

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

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

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		$212,380 (+5.98%)	$269,070 (+21.73%) Land $21,690 Building $247,380
2024	$2,554.00 (+14.22%)
2023	$2,236.00 (+2.8%) Additional exemption filed	$200,390 (+3%)	$221,040 (+1.12%) Land $21,690 Building $199,350
2022	$2,175.00 Homeowner's exemption	$194,560	$218,590 Land $15,000 Building $203,590

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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% 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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