Sumter County property record for 3104 Carter Path, Oxford, FL 34484
| Property Type | Single Family Home |
|---|---|
| Details | 1,978 sqft · built 2015 |
| Lot Size | 0.184 acres (8,030 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $397,500 (Nov 2023) |
| Tax Bill | $4,232 (2024) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jul 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | D18B054 |
| Primary APN | D18B054 |
|---|---|
| Alternative APN |
|
| Building Area | 1,978 sqft Heated Area |
|---|
| Year Built | Built 2015 |
|---|---|
| Construction Type | Steel Frame |
| Lot Area | 8,030 sqft (0.184 acres) |
| Garage Area | 509 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 338 sqft |
| Account Number | 1018201 |
|---|---|
| Street Address | 3104 CARTER PATH |
| City | OXFORD |
| State | FL |
| Zip | 34484-3409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 54 OXFORD OAKS PHASE ONE PB 15 PGS 25-25D |
| Legal Range | 23E |
| Legal Township | 18S |
| Legal Section | 18 |
| Legal Subdivision | OXFORD OAKS PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 910100 |
Source: Sumter County records, as of December 19, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3104 CARTER PATH, OXFORD, FL 34484-3409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE FINANCIAL CU |
| Jul 16, 2020 | Loan Modification, Mortgage · Conventional with PMI CITIZENS FIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2023 · Amount on Record |
| Deed Sale | Nov 28, 2023 · Amount on Record |
| Prior Sale | Oct 5, 2015 · Amount on Record |
| Deed Document Number | 202360044517 |
| Deed Book / Page | 4565 / 8 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Nov 28, 2023 |
| Property Address | 3104 CARTER PATH, OXFORD, FL 34484-3409 |
| Document Number | 0045650008 |
| Book / Page | 4565 / 8 |
| Map Reference | MB 15 PG 25 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 202360044517 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,782.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 BRISTLE CONE LN, NAPLES, FL 34113-8306 |
| Name | Verified Name |
|---|---|
| Address | 3104 CARTER PATH, OXFORD, FL 34484-3409 |
| Document Number | 0000045659 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 4565/9 |
| Name | HERITAGE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Margin | 2 |
| Max Rate | 11.8% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUMTER FL |
| Property Address | 3104 CARTER PATH, OXFORD, FL 34484-3409 |
| Document Number | 0038110619 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3104 CARTER PATH OXFORD FL 344843409, OXFORD, FL 34484-3409 |
| Document Number | 0038110619 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 003811/000619 |
| Instrument | 60036434 |
| Name | CITIZENS FIRST BK |
|---|---|
| Type | Bank |
| Address | LADY LAKE, FL 32158 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 23, 2060 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Sumter County assessment roll, as of July 1, 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 | $314,920 (+39.43%) Land $18,070 Building $296,850 | $314,920 (+21.13%) Land $18,070 Building $296,850 | |
| 2024 | $4,232.00 (+64.54%) | ||
| 2023 | $2,572.00 (+2.59%) Additional exemption filed | $225,860 (+3%) | $259,980 (+4.33%) Land $18,070 Building $241,910 |
| 2022 | $2,507.00 Homeowner's exemption | $219,290 | $249,190 Land $15,000 Building $234,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 233 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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