11296 Berning Ter, Oxford, FL 34484 Property Records

Sumter County property record for 11296 Berning Ter, Oxford, FL 34484

Property Summary

Property Type	Single Family Home
Details	2,003 sqft · built 2021
Lot Size	0.23 acres (10,022 sqft)
Owner	Individual Name on File
Last Sale	$283,638 (Sep 2021)
Tax Bill	$3,042 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D18C341`

Property Details

APN / Parcel Number

Primary APN	`D18C341`
Alternative APN	`1075500`

Interior

Building Area	2,003 sqft Heated Area

Exterior

Year Built	Built 2021
Construction Type	Steel Frame
Lot Area	10,022 sqft (0.23 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Location & Zoning

Account Number	1075500
Street Address	11296 BERNING TER
City	OXFORD
State	FL
Zip	34484-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 341 OXFORD OAKS PHASE TWO PB 16 PGS 17-17D
Legal Range	23E
Legal Township	18S
Legal Section	18
Legal Phase	2
Legal Lot Number	341
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2028
Census Tract	910100

Owner

Source: Sumter County records · APN D18C341

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	11296 BERNING TER, OXFORD, FL 34484-3555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 2021 · Amount on Record
Deed Sale	Sep 01, 2021 · Amount on Record
Deed Document Number	202160048549
Deed Book / Page	4087 / 92
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Sep 01, 2021
Property Address	11296 BERNING TER, OXFORD, FL 34484-3555
Document Number	0040870092
Book / Page	4087 / 92
Map Reference	MB 16 PG 17&17A-17D
Instrument Date	Aug 17, 2021
Instrument	202160048549
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,985.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11296 BERNING TER, OXFORD, FL 34484-3555

Mortgage

Document Number	0000408793
Date	Sep 01, 2021
Instrument	4087/93

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Sumter County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$250,210 (+5.99%)	$297,650 (+22.08%) Land $22,550 Building $275,100
2024	$3,042.00 (+12.38%)
2023	$2,707.00 (+2.54%) Additional exemption filed	$236,080 (+3%)	$243,820 (+6.37%) Land $22,550 Building $221,270
2022	$2,640.00 Homeowner's exemption	$229,210 Land $15,000 Building $214,210	$229,210 Land $15,000 Building $214,210

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 122 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WILDWOOD, CITY OF (7 WPS) serves 25,941 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.