Sumter County property record for 2986 Diver Loop, The Villages, FL 32163
| Property Type | Single Family Home |
|---|---|
| Details | 1,949 sqft · built 2018 |
| Lot Size | 0.217 acres (9,448 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Sep 2026) |
| Tax Bill | $6,863 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Construction Loan Mar 2024 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 321923G32P082 |
| Primary APN | 321923G32P082 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,949 sqft Living Area |
|---|---|
| Gross Area | 3,111 sqft |
| 1st Floor Area | 1,949 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Block |
| Construction Type | Concrete |
| Lot Area | 9,448 sqft (0.217 acres) |
| Garage Type | Attached |
| Garage Area | 619 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 496 sqft |
| Porch | Patio |
| Porch Area | 543 sqft |
| Street Address | 2986 DIVER LOOP |
|---|---|
| City | THE VILLAGES |
| State | FL |
| Zip | 32163-0315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 82 VILLAGE OF FENNEY UNIT 10 PB 16 PGS 28-28E |
| Legal Range | 23E |
| Legal Township | 19S |
| Legal Section | 32 |
| Legal Subdivision | VILLAGE OF FENNEY |
| Legal Lot Number | 82 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 1 |
| Census Block | 1116 |
| Census Tract | 910300 |
2986 Diver Loop is owned by two individuals who bought it in September 2026.
Source: Sumter County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 372 N BAYSHORE DR, COLUMBIANA, OH 44408-9357 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2026 | Warranty Deed, Construction Loan · Construction Mortgage CITIZENS FIRST BANK |
| Mar 22, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DEERWOOD BANK |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Prior Sale | Mar 14, 2019 · Amount on File |
| Deed Document Number | 202647468 |
| Deed Book / Page | 5225 / 769 |
| Prior Transfer Date | Feb 21, 2024 |
| Prior Transfer Doc | 0046170545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Sep 16, 2026 |
| Property Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Number | 0000047468 |
| Book / Page | 5225 / 769 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202647468 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 12, 2026 |
| Title Company | PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $537,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 372 N BAYSHORE DR, COLUMBIANA, OH 44408-9357 |
| Document Number | 0000047469, |
|---|---|
| Date | Sep 16, 2026 |
| Instrument | 202647469 |
| Name | CITIZENS FIRST BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 1, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Mar 22, 2024 |
| Property Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Number | 0046170545 |
| Book / Page | 4617 / 545 |
| Map Reference | MB 16 PG 28&28A-28E |
| Instrument Date | Feb 21, 2024 |
| Instrument | 202460010783 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER FL |
| Property Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Number | 0038770627 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 3877/627 |
| Instrument | 202060053421 |
| Name | DEERWOOD BANK |
|---|---|
| Type | Bank |
| Address | BAXTER, MN 56425 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER FL |
| Property Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PENINSULA LAND & TITLE |
| Name | Verified Name |
|---|
| Document Number | 0036610570 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 3661/0570 |
| Instrument | 201960045529 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Mar 14, 2019 |
| Property Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Number | 0035370202 |
| Book / Page | 3537 / 0202 |
| Map Reference | MB 16 PG 28&28A-28E |
| Instrument Date | Mar 1, 2019 |
| Instrument | 201960008856 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | PENINSULA LAND & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,419.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3619 KIESSEL RD, 3619, THE VILLAGES, FL 32163-2909 |
| Name | Verified Name |
|---|---|
| Address | 2986 DIVER LOOP, THE VILLAGES, FL 32163-0315 |
| Document Number | 201960008857 |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 201960008857 |
| Name | CITIZENS FIRST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Apr 1, 2020 |
The 2025 property tax bill for 2986 Diver Loop was $6,863, up 1.6% from the year before.
Source: Sumter County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sumter County |
| Municipality | Wildwood City |
| Unified School District | Sumter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,863.00 (+1.64%) | $366,700 | $576,320 Land $56,690 Building $519,630 |
| 2024 | $6,752.00 (+5.01%) | ||
| 2023 | $6,430.00 (+1.42%) Additional exemption filed | $345,990 (+3%) | $524,920 (+9.93%) Land $37,790 Building $487,130 |
| 2022 | $6,340.00 Homeowner's exemption | $335,920 | $477,510 Land $37,790 Building $439,720 |
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.
FEMA maps place 2986 Diver Loop in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 226 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 226 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 risk around 2986 Diver Loop is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 710 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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