3963 Zenith Loop, The Villages, FL 32163 Property Records

Sumter County property record for 3963 Zenith Loop, The Villages, FL 32163

Property Summary

Property Type	Single Family Home
Details	2,016 sqft · built 2016
Lot Size	0.194 acres (8,470 sqft)
Owner	2 Individual Names on File
Last Sale	$564,100 (Mar 2016)
Tax Bill	$6,711 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131923G13G023`

Property Details

APN / Parcel Number

Primary APN	`131923G13G023`
Alternative APNs	`G13G023` `1056260`

Interior

Building Area	2,016 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	2,016 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Concrete Block
Lot Area	8,470 sqft (0.194 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	745 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	48 sqft
Porch	Screened Porch
Porch Area	425 sqft

Location & Zoning

Street Address	3963 ZENITH LOOP
City	THE VILLAGES
State	FL
Zip	32163-4291
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 THE VILLAGES OF SUMTER UNIT NO. 191 PB 16 PGS 5-5T
Legal Range	23E
Legal Township	19S
Legal Section	13
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	23
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	4
Census Block	4000
Census Tract	911402

Owner

3963 Zenith Loop is owned and occupied by two individuals who acquired it in March 2025.

Source: Sumter County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3963 ZENITH LOOP, THE VILLAGES, FL 32163-4291
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2016 · Amount on File
Deed Sale	Mar 8, 2016 · Amount on File
Deed Document Number	20166371
Deed Book / Page	3074 / 169
Last Transfer Date	Mar 17, 2025
Transfer Doc	0048810321
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	3963 ZENITH LOOP, THE VILLAGES, FL 32163-4291
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3963 ZENITH LOOP, THE VILLAGES, FL 32163-4291

Mortgage

Document Number	0039550788
Date	Mar 22, 2021
Book Page	3955/788
Instrument	202160015440

Lender

Name	PRINCETON FINANCIAL LLC
Type	Non-Lending Institution
Address	CARNEGIE, PA 15106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3963 Zenith Loop was $6,711, up 1.9% from the year before.

Source: Sumter County assessment roll, as of December 2, 2025

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	$6,711.00 (+1.85%)	$460,030	$780,290 Land $152,460 Building $627,830
2024	$6,589.00 (+3.88%)
2023	$6,343.00 (-1.81%) Additional exemption filed	$434,050 (+3%)	$755,350 (+16.47%) Land $152,460 Building $602,890
2022	$6,460.00 Homeowner's exemption Widower's exemption	$421,410	$648,560 Land $135,180 Building $513,380

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

Flood

FEMA maps place 3963 Zenith 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 228 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	228 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2022 · Hurricane Nicole

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 3963 Zenith Loop 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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	VILLAGE WATER public/private · serves 493 people · EPA ID FL6532779
Water Source	Purchased groundwater from CITY OF LAKELAND
Last State Inspection	Nov 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 172 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