12321 SE 176th Loop, Summerfield, FL 34491 Property Records

Marion County property record for 12321 SE 176th Loop, Summerfield, FL 34491

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,815 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jun 2026)
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6270-202-005`

Property Details

APN / Parcel Number

Primary APN	`6270-202-005`
Alternative APNs	`3374886000` `3374886`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft Living Area
Gross Area	2,531 sqft
1st Floor Area	1,815 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Modern
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Vinyl Porch
Porch Area	180 sqft
Patio Area	60 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	12321 SE 176TH LOOP
City	SUMMERFIELD
State	FL
Zip	34491-8087
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SEC 31 TWP 17 RGE 24 PLAT BOOK 008 PAGES 086 EASTRIDGE AT STONECREST UNIT II LOT 5 BLK B
Legal Range	24E
Legal Township	17S
Legal Section	31
Legal Subdivision	EASTRIDGE AT STONECREST UNIT II
Legal Block	B
Legal Lot Number	5
Jurisdiction	MARION FL
Township / Civil Division	BELLEVIEW
Census Block Group	1
Census Block	1000
Census Tract	706

Owner

Source: Marion County records, as of June 16, 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	12321 SE 176TH LOOP, SUMMERFIELD, FL 34491-8087
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Apr 23, 2005 · Amount on Record
Deed Document Number	202670213
Deed Book / Page	8923 / 462
Prior Transfer Date	Apr 17, 2025
Prior Transfer Doc	0086581868
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Jun 1, 2026
Property Address	12321 SE 176TH LOOP, SUMMERFIELD, FL 34491-8087
Document Number	0000070213
Book / Page	8923 / 462
Instrument Date	Jun 1, 2026
Instrument	202670213
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208,565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

Mortgage

Document Number	0000070214,
Date	Jun 1, 2026
Instrument	202670214

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Marion County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Marion County
Unified School District	Marion County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,890.00 (+116.76%)	$285,119 (+73.89%) Land $36,900 Building $248,219	$285,119 (-2.02%) Land $36,900 Building $248,219
2023	$2,256.00 (+3.16%) Homeowner's exemption	$163,967 (+3%) Land $36,900 Building $127,067	$291,009 (+11.04%) Land $36,900 Building $254,109
2022	$2,187.00 Homeowner's exemption	$159,191	$262,066 Land $34,900 Building $227,166

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 18, 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 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · rainfall accumulation

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAST SIDE CONSOLIDATED public/private · serves 40,251 people · EPA ID FL3424897
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Zito Media Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20