4020 Kettering Ct, The Villages, FL 32163 Property Records

Sumter County property record for 4020 Kettering Ct, The Villages, FL 32163

Property Summary

Property Type	Single Family Home
Details	2,007 sqft · built 2014
Lot Size	0.137 acres (5,969 sqft)
Owner	Individual Name on File
Last Sale	$310,100 (Sep 2014)
Tax Bill	$5,283 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`151923G15F070`

Property Details

APN / Parcel Number

Primary APN	`151923G15F070`
Alternative APNs	`G15F070` `1057075`

Interior

Building Area	2,007 sqft Living Area
Gross Area	2,841 sqft
1st Floor Area	2,007 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	5,969 sqft (0.137 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	427 sqft

Location & Zoning

Street Address	4020 KETTERING CT
City	THE VILLAGES
State	FL
Zip	32163-2291
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 70 THE VILLAGES OF SUMTER UNIT NO. 234 PB 15 PGS 2-2F
Legal Range	23E
Legal Township	19S
Legal Section	15
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	70
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	4
Census Block	4147
Census Tract	911402

Owner

4020 Kettering Ct is owned and occupied by an individual who acquired it in August 2015.

Source: Sumter County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	4020 KETTERING CT, THE VILLAGES, FL 32163-2291
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	Name on Deed
Last Sale	Sep 11, 2014 · Amount on File
Deed Sale	Sep 11, 2014 · Amount on File
Deed Document Number	201428676
Deed Book / Page	2838 / 682
Last Transfer Date	Aug 17, 2015
Transfer Doc	0030090613
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	4020 KETTERING CT, THE VILLAGES, FL 32163-2291
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 KETTERING CT, THE VILLAGES, FL 32163-2291

Mortgage

Document Number	0039180695
Date	Feb 10, 2021
Book Page	3918/695
Instrument	202160006481

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4020 Kettering Ct was $5,283 with exemptions applied, 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	$5,283.00 (+1.95%) Homeowner's exemption Veteran's exemption	$323,880	$434,640 Land $35,810 Building $398,830
2024	$5,182.00 (+4.79%)
2023	$4,945.00 (+3.95%) Additional exemption filed	$305,600 (+3%)	$445,490 (-1.76%) Land $23,880 Building $421,610
2022	$4,757.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$296,700	$453,490 Land $23,820 Building $429,670

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

Flood

FEMA maps place 4020 Kettering Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 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 4020 Kettering Ct is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.05% 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	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 219 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