439 Troy Loop, The Villages, FL 32162 Property Records

Sumter County property record for 439 Troy Loop, The Villages, FL 32162

Property Summary

Property Type	Single Family Home
Details	1,532 sqft · built 2006
Lot Size	0.127 acres (5,539 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,356 (2025)
Deeds & Mortgages	May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`251823D25B176`

Property Details

APN / Parcel Number

Primary APN	`251823D25B176`
Alternative APNs	`D25B176` `1023258`

Interior

Building Area	1,532 sqft Living Area
Gross Area	2,252 sqft
1st Floor Area	1,532 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Lot Area	5,539 sqft (0.127 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	260 sqft

Location & Zoning

Street Address	439 TROY LOOP
City	THE VILLAGES
State	FL
Zip	32162-6132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 176 THE VILLAGES OF SUMTER UNIT NO.116 PB 7 PGS 26-26B
Legal Range	23E
Legal Township	18S
Legal Section	25
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	176
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1015
Census Tract	911201

Owner

439 Troy Loop is owned and occupied by two individuals who acquired it in October 2007.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	439 TROY LOOP, THE VILLAGES, FL 32162-6132
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 19, 2007
Transfer Doc	0018610373
Record Updated	Jun 8, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUMTER FL
Property Address	439 TROY LOOP, THE VILLAGES, FL 32162-6132
Document Number	0034150467
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	439 TROY LOOP THE VILLAGES FL 321626132, THE VILLAGES, FL 32162-6132

Mortgage

Document Number	0034150467
Date	May 21, 2018
Book Page	003415/000467
Instrument	60018669

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	THE VILLAGES, FL 32162

Agreement

Term	120 Months
Due	May 20, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 439 Troy Loop was $2,356 with a homeowner's exemption, up 1.2% 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	$2,356.00 (+1.25%) Homeowner's exemption	$193,560	$296,490 Land $33,230 Building $263,260
2024	$2,327.00 (+10.65%)
2023	$2,103.00 (+3.14%) Additional exemption filed	$182,640 (+3%)	$306,460 (+8.74%) Land $22,160 Building $284,300
2022	$2,039.00 Homeowner's exemption	$177,320	$281,840 Land $22,100 Building $259,740

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

Flood

FEMA maps place 439 Troy Loop in Zone X, an area of minimal flood risk.

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 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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 439 Troy 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	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 539 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
AT&T Fixed Wireless	100 / 20