423 Arbella Loop, The Villages, FL 32162 Property Records

Sumter County property record for 423 Arbella Loop, The Villages, FL 32162

Property Summary

Property Type	Single Family Home
Details	1,429 sqft · built 2009
Lot Size	0.162 acres (7,039 sqft)
Owner	2 Trust Names on File
Last Sale	$235,000 (Oct 2014)
Tax Bill	$4,808 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`361823D36G088`

Property Details

APN / Parcel Number

Primary APN	`361823D36G088`
Alternative APNs	`D36G088` `1037159`

Interior

Building Area	1,429 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	1,429 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Lot Area	7,039 sqft (0.162 acres)
Garage Type	Attached
Garage Area	465 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	138 sqft

Location & Zoning

Street Address	423 ARBELLA LOOP
City	THE VILLAGES
State	FL
Zip	32162-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 88 THE VILLAGES OF SUMTER UNIT NO 131 PB 9 PGS 29-29B
Legal Range	23E
Legal Township	18S
Legal Section	36
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	88
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2006
Census Tract	911201

Owner

423 Arbella Loop is held in a trust since January 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	560 N HICKORY ST, MANTENO, IL 60950-1157
Owner Type	Individual
Vesting	Trust

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	Oct 14, 2014 · Amount on File
Deed Sale	Oct 14, 2014 · Amount on File
Prior Sale	Dec 12, 2011 · Amount on File
Deed Document Number	201432706
Deed Book / Page	2855 / 628
Last Transfer Date	Jan 7, 2015
Transfer Doc	0029070457
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	423 ARBELLA LOOP, THE VILLAGES, FL 32162-1013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITABLE TITLE OF OCALA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038120535
Date	Aug 25, 2020
Book Page	3812/535
Instrument	202060036698

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank
Address	THE VILLAGES, FL 32162

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 423 Arbella Loop was $4,808, down 2.9% 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	$4,808.00 (-2.95%)	$274,910 Land $42,230 Building $232,680	$274,910 Land $42,230 Building $232,680
2024	$4,954.00 (+3.36%)
2023	$4,793.00 (+2.15%)	$284,640 (+11.88%) Land $28,160 Building $256,480	$284,640 (-3.12%) Land $28,160 Building $256,480
2022	$4,692.00	$254,410	$293,810 Land $70,250 Building $223,560

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

Flood

FEMA maps place 423 Arbella 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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 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.

Wildfire

Wildfire risk around 423 Arbella Loop is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people · EPA ID FL3350942
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	VILLAGE WATER
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20