Sumter County property record for 4045 Kettering Ct, The Villages, FL 32163
| Property Type | Single Family Home |
|---|---|
| Details | 2,013 sqft · built 2014 |
| Lot Size | 0.297 acres (12,921 sqft) |
| Owner | Individual Name on File |
| Last Sale | $589,900 (Aug 2021) |
| Tax Bill | $7,379 (2025) |
| Deeds & Mortgages | Jan 2023 Transfer Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 151923G15F074 |
| Primary APN | 151923G15F074 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,013 sqft Living Area |
|---|---|
| Gross Area | 3,211 sqft |
| 1st Floor Area | 2,013 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Custom Design |
| Exterior Material | Block |
| Construction Type | Wood |
| Lot Area | 12,921 sqft (0.297 acres) |
| View / Lot | Road |
| Garage Type | Attached |
| Garage Area | 773 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 425 sqft |
| Street Address | 4045 KETTERING CT |
|---|---|
| City | THE VILLAGES |
| State | FL |
| Zip | 32163-2291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 74 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 | 74 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 4 |
| Census Block | 4147 |
| Census Tract | 911402 |
4045 Kettering Ct is owned and occupied by an individual who acquired it in November 2022.
Source: Sumter County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4045 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.
| Date | Document |
|---|---|
| Jan 19, 2023 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Aug 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2021 · Amount on File |
| Deed Sale | Aug 6, 2021 · Amount on File |
| Prior Sale | Feb 1, 2016 · Amount on File |
| Deed Document Number | 202142976 |
| Deed Book / Page | 4064 / 792 |
| Last Transfer Date | Nov 17, 2022 |
| Transfer Doc | 0044050592 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Jan 19, 2023 |
| Property Address | 4045 KETTERING CT, THE VILLAGES, FL 32163-2291 |
| Document Number | 0044050592 |
| Book / Page | 4405 / 592 |
| Map Reference | MB 15 PG 2&2A-2F |
| Instrument Date | Nov 17, 2022 |
| Instrument | 202360002400 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4045 KETTERING CT, THE VILLAGES, FL 32163-2291 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4045 KETTERING CT, THE VILLAGES, FL 32163-2291 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Aug 6, 2021 |
| Property Address | 4045 KETTERING CT, THE VILLAGES, FL 32163-2291 |
| Document Number | 0040640792 |
| Book / Page | 4064 / 792 |
| Map Reference | MB 15 PG 2&2A-2F |
| Instrument Date | Jul 16, 2021 |
| Instrument | 202160042976 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | FREEDOM SETTLEMENT COMPANY LLC, FREEDOM T&E CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,129.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8887 FARMDALE ST, 8887, LONGMONT, CO 80504-5895 |
| Name | Verified Name |
|---|---|
| Address | 4045 KETTERING CT, THE VILLAGES, FL 32163-2291 |
| Document Number | 40651 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 4065/1 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2036 |
The 2025 property tax bill for 4045 Kettering Ct was $7,379 with a homeowner's exemption, down 0.1% from the year before.
Source: Sumter County assessment roll, as of February 9, 2026
| 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 | $7,379.00 (-0.05%) Additional exemption filed | $527,860 Land $77,530 Building $450,330 | $527,860 Land $77,530 Building $450,330 |
| 2024 | $7,383.00 (+1.28%) | ||
| 2023 | $7,290.00 (+0.58%) Additional exemption filed | $526,530 (-0.88%) Land $51,680 Building $474,850 | $526,530 (-0.88%) Land $51,680 Building $474,850 |
| 2022 | $7,248.00 Homeowner's exemption | $531,210 Land $58,140 Building $473,070 | $531,210 Land $58,140 Building $473,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4045 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 risk around 4045 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.
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 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 |
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