1643 Carrera Dr, The Villages (Lady Lake), FL 32159 Property Records

Sumter County property record for 1643 Carrera Dr, The Villages, FL 32159

Property Summary

Property Type	Single Family Home
Details	2,361 sqft · built 1999
Lot Size	0.24 acres (10,440 sqft)
Owner	2 Trust Names on File
Last Sale	$810,000 (Jul 2024)
Tax Bill	$5,621 (2025)
Deeds & Mortgages	Mar 2023 Transfer Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`131823D13H021`

Property Details

APN / Parcel Number

Primary APN	`131823D13H021`
Alternative APNs	`D13H021` `1013888`

Interior

Building Area	2,361 sqft Living Area
Gross Area	3,276 sqft
1st Floor Area	2,361 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	10,440 sqft (0.24 acres)
Lot Dimensions	120 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	200 sqft
Porch	Screened Porch
Porch Area	535 sqft

Location & Zoning

Street Address	1643 CARRERA DR
City	THE VILLAGES
State	FL
Zip	32159-9001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 THE VILLAGES OF SUMTER UNIT NO 5 PB 4 PGS 107-107B
Legal Range	23E
Legal Township	18S
Legal Section	13
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	21
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	3
Census Block	3006
Census Tract	910800

Owner

1643 Carrera Dr is owner-occupied and held in a trust since July 2024.

Source: Sumter County records, as of March 6, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1643 CARRERA DR, LADY LAKE, FL 32159-9001
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 3, 2022	Warranty Deed, Transfer PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE
May 23, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2024 · Amount on File
Deed Sale	Jul 19, 2024 · Amount on File
Prior Sale	Oct 3, 2022 · Amount on File
Deed Document Number	202428761
Deed Book / Page	4685 / 682
Prior Transfer Date	Mar 9, 2023
Prior Transfer Doc	0044370635
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMTER FL
Recording Date	Mar 22, 2023
Property Address	1643 CARRERA DR, THE VILLAGES, FL 32159-9001
Document Number	0044370635
Book / Page	4437 / 635
Map Reference	MB 4 PG107,107A&107B
Instrument Date	Mar 9, 2023
Instrument	202360011188
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1643 CARRERA DR, THE VILLAGES, FL 32159-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1643 CARRERA DR, THE VILLAGES, FL 32159-9001

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Oct 3, 2022
Property Address	1643 CARRERA DR, THE VILLAGES, FL 32159-9001
Document Number	0043500573
Book / Page	4350 / 573
Map Reference	MB 4 PG107,107A&107B
Instrument Date	Sep 22, 2022
Instrument	202260047234
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE

Transaction

Amount	Amount on Record
Tax	$4,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2636 LOCKESLEY CV N, 2636, GERMANTOWN, TN 38139-6826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1643 CARRERA DR, LADY LAKE, FL 32159-9001

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	1643 CARRERA DR, THE VILLAGES, FL 32159-9001
Document Number	0032680144
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1643 CARRERA DR THE VILLAGES FL 321599001, THE VILLAGES, FL 32159-9001

Mortgage

Document Number	0032680144
Date	Jun 13, 2017
Book Page	003268/000144
Instrument	60019640

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	THE VILLAGES, FL 32159

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 12, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1643 Carrera Dr was $5,621, up 64% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,621.00 (+64.02%) Additional exemption filed	$512,540 Land $104,400 Building $408,140	$512,540 Land $104,400 Building $408,140
2024	$3,427.00 (+9.63%)
2023	$3,126.00 (-2.22%) Additional exemption filed	$281,560 (-2.57%)	$530,280 (+7.39%) Land $104,400 Building $425,880
2022	$3,197.00 Homeowner's exemption	$289,000	$493,780 Land $83,520 Building $410,260

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

FEMA maps place 1643 Carrera Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2024 · 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

Wildfire risk around 1643 Carrera Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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	VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people · EPA ID FL3350942
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	VILLAGE WATER
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink DSL	140 / 20

May also be available: Verizon.

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