Sumter County property record for 3975 Zenith Loop, The Villages, FL 32163
| Property Type | Single Family Home |
|---|---|
| Details | 3,168 sqft · built 2016 |
| Lot Size | 0.194 acres (8,470 sqft) |
| Owner | Individual Name on File |
| Last Sale | $638,000 (Jul 2017) |
| Tax Bill | $8,195 (2025) |
| Deeds & Mortgages | Jun 2019 Line of Credit Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 131923G13G021 |
| Primary APN | 131923G13G021 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,168 sqft Living Area |
|---|---|
| Gross Area | 4,332 sqft |
| 1st Floor Area | 2,656 sqft |
| 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 | 908 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 78 sqft |
| Porch | Screened Porch |
| Porch Area | 816 sqft |
| Street Address | 3975 ZENITH LOOP |
|---|---|
| City | THE VILLAGES |
| State | FL |
| Zip | 32163-4291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 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 | 21 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 911402 |
3975 Zenith Loop is owned and occupied by an individual who bought it in July 2017.
Source: Sumter County records, as of December 2, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3975 ZENITH LOOP, THE VILLAGES, FL 32163-4291 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 20, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 27, 2017 | Warranty Deed, Transfer PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2017 · Amount on File |
| Deed Sale | Jul 27, 2017 · Amount on File |
| Prior Sale | Aug 1, 2016 · Amount on File |
| Deed Document Number | 201724849 |
| Deed Book / Page | 3287 / 219 |
| Prior Transfer Date | Aug 6, 2016 |
| Prior Transfer Doc | 0031580588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER FL |
| Property Address | 3975 ZENITH LOOP, THE VILLAGES, FL 32163-4291 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035850247 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 3585/0247 |
| Instrument | 201960024126 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LEESBURG, FL 34748 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Jul 27, 2017 |
| Property Address | 3975 ZENITH LOOP, THE VILLAGES, FL 32163-4291 |
| Document Number | 0032870219 |
| Book / Page | 003287 / 000219 |
| Instrument Date | Jul 21, 2017 |
| Instrument | 60024849 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2017 |
| Title Company | PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $4,466.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3975 ZENITH LOOP THE VILLAGES FL 321634291, THE VILLAGES, FL 32163-4291 |
The 2025 property tax bill for 3975 Zenith Loop was $8,195 with exemptions applied, up 1.8% from the year before.
Source: Sumter County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sumter County |
| Unified School District | Sumter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,195.00 (+1.8%) Homeowner's exemption Widower's exemption | $608,000 | $1,063,500 Land $152,460 Building $911,040 |
| 2024 | $8,050.00 (+2.63%) | ||
| 2023 | $7,844.00 (+1.06%) Additional exemption filed | $573,660 (+5.05%) | $1,010,850 (+18.31%) Land $152,460 Building $858,390 |
| 2022 | $7,762.00 Homeowner's exemption | $546,080 | $854,410 Land $135,180 Building $719,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3975 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 risk around 3975 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.
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 |
| 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.
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 |
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