4812 Co Rd 686, Webster, FL 33597 Property Records

Sumter County property record for 4812 Co Rd 686, Webster, FL 33597

Property Summary

Property Type	Single Family Home
Details	552 sqft · built 1978
Lot Size	0.345 acres (15,043 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Aug 2022)
Tax Bill	$636 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R14B014`

Property Details

APN / Parcel Number

Primary APN	`R14B014`
Alternative APN	`1072479`

Interior

Building Area	552 sqft Heated Area
Utility Area	70 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Conventional
Construction Type	Concrete
Lot Area	15,043 sqft (0.345 acres)
Lot Dimensions	136 ft deep x 85 ft wide
Porch	Covered Porch
Porch Area	340 sqft

Location & Zoning

Account Number	1072479
Street Address	4812 CR 686
City	WEBSTER
State	FL
Zip	33597-7566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK B CROOMACOOCHEE EST PB 3 PG 22
Legal Range	21E
Legal Township	22S
Legal Section	14
Legal Subdivision	BLOCK B CROOMACOOCHEE EST
Legal Block	B
Legal Lot Number	4
Jurisdiction	SUMTER FL
Township / Civil Division	BUSHNELL-CENTER HILL
Census Block Group	1
Census Block	1015
Census Tract	910601

Owner

Source: Sumter County records, as of December 19, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4812 CR 686, WEBSTER, FL 33597-7566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 9, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 17, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	202260039616
Deed Book / Page	4323 / 564
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	4812 CR 686, WEBSTER, FL 33597-7566
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4812 CR 686, WEBSTER, FL 33597-7566

Mortgage

Document Number	0045140407
Date	Aug 16, 2023
Book Page	4514/407
Instrument	202360031498

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Aug 9, 2022
Property Address	4812 CR 686, WEBSTER, FL 33597-7566
Document Number	0043230564
Book / Page	4323 / 564
Map Reference	MB 3 PG 22
Instrument Date	Jul 22, 2022
Instrument	202260039616
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17924 HIGHWAY 121, SAINT GEORGE, GA 31562-3444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4812 COUNTY ROAD 686, WEBSTER, FL 33597-7566

Mortgage

Document Number	0004323566
Date	Aug 9, 2022
Instrument	4323/566

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 17, 2018
Property Address	4812 CR 686, WEBSTER, FL 33597-7566
Document Number	0033970015
Book / Page	3397 / 0015
Map Reference	MB3 PG22
Instrument Date	Apr 10, 2018
Instrument	201860013387
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	NEW FRONTIER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4812 CR 686, 4812, WEBSTER, FL 33597-7566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 4TH ST, STRUTHERS, OH 44471-1854

Mortgage

Document Number	201860013388
Date	Apr 17, 2018
Instrument	201860013388

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of July 1, 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		$55,620 (+5.96%)	$60,250 (+14.78%) Land $6,770 Building $53,480
2024	$636.00 (+60.61%)
2023	$396.00 (-58.53%) Additional exemption filed	$52,490 (-34.35%) Land $3,760 Building $48,730	$52,490 (-34.35%) Land $3,760 Building $48,730
2022	$955.00	$79,960 Land $3,760 Building $76,200	$79,960 Land $3,760 Building $76,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	23 (1995–2024)
Claims Outside the SFHA	4 of 23
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Frances, Sep 2004 · 7 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 4 claims

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	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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