445 Troy Loop, The Villages, FL 32162 Property Records

Sumter County property record for 445 Troy Loop, The Villages, FL 32162

Property Summary

Property Type	Single Family Home
Details	1,488 sqft · built 2006
Lot Size	0.127 acres (5,540 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`251823D25B175`

Property Details

APN / Parcel Number

Primary APN	`251823D25B175`
Alternative APNs	`D25B175` `1023257`

Interior

Building Area	1,488 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,488 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	5,540 sqft (0.127 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	260 sqft

Location & Zoning

Street Address	445 TROY LOOP
City	THE VILLAGES
State	FL
Zip	32162-6132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 175 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	175
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1015
Census Tract	911201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	445 TROY LOOP, THE VILLAGES, FL 32162-6132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021
Deed Sale	Jan 19, 2021
Prior Sale	Dec 31, 2013 · Amount on Record
Deed Document Number	20212153
Deed Book / Page	3901 / 18
Prior Transfer Date	Dec 11, 2020
Prior Transfer Doc	0039010018
Record Updated	Jun 8, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMTER FL
Recording Date	Jan 19, 2021
Property Address	445 TROY LOOP, THE VILLAGES, FL 32162-6132
Document Number	0039010018
Book / Page	3901 / 18
Map Reference	MB 7 PG 26,26-A&26-B
Instrument Date	Dec 11, 2020
Instrument	202160002153
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FREEDOM T&E COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 TROY LOOP, THE VILLAGES, FL 32162-6132

Mortgage

Document Number	0000390119
Date	Jan 19, 2021
Instrument	3901/19

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$3,281.00 (+0.92%) Homeowner's exemption	$208,510 (+5.98%)	$300,310 (-3.3%) Land $33,240 Building $267,070
2024	$3,251.00 (+7.44%)
2023	$3,026.00 (+2.3%) Additional exemption filed	$196,740 (+3%)	$310,570 (+9.38%) Land $22,160 Building $288,410
2022	$2,958.00 Homeowner's exemption	$191,010	$283,930 Land $22,100 Building $261,830

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

Flood

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 Record 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

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