490 Arbella Loop, The Villages, FL 32162 Property Records

Sumter County property record for 490 Arbella Loop, The Villages, FL 32162

Property Summary

Property Type	Single Family Home
Details	1,939 sqft · built 2009
Lot Size	0.179 acres (7,816 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (May 2009)
Tax Bill	$4,696 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`361823D36G031`

Property Details

APN / Parcel Number

Primary APN	`361823D36G031`
Alternative APNs	`D36G031` `1037102`

Interior

Building Area	1,939 sqft Living Area
Gross Area	2,610 sqft
1st Floor Area	1,939 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	7,816 sqft (0.179 acres)
Garage Type	Attached
Garage Area	446 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	260 sqft

Location & Zoning

Street Address	490 ARBELLA LOOP
City	THE VILLAGES
State	FL
Zip	32162-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 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	31
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2006
Census Tract	911201

Owner

490 Arbella Loop is owned and occupied by two individuals who acquired it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 ARBELLA LOOP, THE VILLAGES, FL 32162-1015
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2009 · Amount on File
Deed Sale	May 29, 2009 · Amount on File
Deed Document Number	200914754
Deed Book / Page	2077 / 325
Last Transfer Date	Jul 18, 2024
Transfer Doc	0046940713
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	490 ARBELLA LOOP, THE VILLAGES, FL 32162-1015
Document Number	0032770056
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 ARBELLA LOOP THE VILLAGES FL 321621015, THE VILLAGES, FL 32162-1015

Mortgage

Document Number	0032770056
Date	Jul 3, 2017
Book Page	003277/000056
Instrument	60022110

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Jul 2, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 490 Arbella Loop was $4,696, up 0.9% 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	$4,696.00 (+0.86%)	$301,920	$512,810 Land $109,420 Building $403,390
2024	$4,656.00 (+5.17%)
2023	$4,427.00 (+2.08%) Additional exemption filed	$284,880 (+3%)	$544,740 (+25.94%) Land $109,420 Building $435,320
2022	$4,337.00 Homeowner's exemption	$276,590	$432,530 Land $78,000 Building $354,530

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

Flood

FEMA maps place 490 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 490 Arbella Loop is moderate, ranking above 44% 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 44% of the US · lower than 85% 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