11294 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11294 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	1,970 sqft · built 2020
Lot Size	0.214 acres (9,304 sqft)
Owner	2 Individual Names on Record
Last Sale	$414,900 (Apr 2026)
Tax Bill	$355 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181823D18C342`

Property Details

APN / Parcel Number

Primary APN	`181823D18C342`
Alternative APNs	`D18C342` `1075501`

Interior

Building Area	1,970 sqft Living Area
Gross Area	2,838 sqft
1st Floor Area	1,970 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Block
Construction Type	Concrete
Lot Area	9,304 sqft (0.214 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Location & Zoning

Street Address	11294 BERNING TER
City	OXFORD
State	FL
Zip	34484-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 342 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	342
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2028
Census Tract	910100

Owner

Source: Sumter County records, as of May 5, 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 Record
Mailing Address	2924 CR 526, SUMTERVILLE, FL 33585-5000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 6, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 18, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	202617871
Deed Book / Page	5097 / 343
Prior Transfer Date	Mar 22, 2022
Prior Transfer Doc	0043520724
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 10, 2026
Property Address	11294 BERNING TER, OXFORD, FL 34484-3555
Document Number	0000017871
Book / Page	5097 / 343
Instrument Date	Mar 19, 2026
Instrument	2026.17871
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293,334.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2924 CR 526, SUMTERVILLE, FL 33585-5000

Mortgage

Document Number	0000017872,
Date	Apr 10, 2026
Book Page	5097/346
Instrument	2026.17872

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMTER FL
Recording Date	Oct 6, 2022
Property Address	11294 BERNING TER, OXFORD, FL 34484-3555
Document Number	0043520724
Book / Page	4352 / 724
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Mar 23, 2022
Instrument	202260047839
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11294 BERNING TER, 11294, OXFORD, FL 34484-3555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11294 BEMING TERRACE, OXFORD, FL 34484

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	May 18, 2020
Property Address	11294 BERNING TER, OXFORD, FL 34484-3555
Document Number	0037580595
Book / Page	3758 / 595
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	May 4, 2020
Instrument	202060021275
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	$1,937.60
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	11294 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	0003758596
Date	May 18, 2020
Instrument	3758/596

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of February 9, 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	$355.00 Additional exemption filed	$205,210 (+5.98%)	$317,280 (-8.27%) Land $20,930 Building $296,350
2024	$355.00 (+184%)
2023	$125.00 (+0.81%) Additional exemption filed	$193,630 (+3%)	$345,880 (+22.08%) Land $20,930 Building $324,950
2022	$124.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$187,990	$283,330 Land $15,000 Building $268,330

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	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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