5040 Harbour Dr, Oxford, FL 34484 Property Records

Sumter County property record for 5040 Harbour Dr, Oxford, FL 34484

Property Summary

Property Type	Duplex
Details	1,768 sqft · built 2007
Lot Size	0.255 acres (11,087 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (May 2022)
Tax Bill	$3,378 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`211823D21T029`

Property Details

APN / Parcel Number

Primary APN	`211823D21T029`
Alternative APNs	`D21T029` `1020388`

Interior

Building Area	1,768 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,768 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Lot Area	11,087 sqft (0.255 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	224 sqft

Location & Zoning

Street Address	5040 HARBOUR DR
City	OXFORD
State	FL
Zip	34484-3779
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 29 MELROSE GARDENS AT LAKESIDE LANDINGS UNIT TWO PB 9 PGS 7-7B
Legal Range	23E
Legal Township	18S
Legal Section	21
Legal Subdivision	GARDENS AT LAKESIDE LANDINGS
Legal Lot Number	29
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2017
Census Tract	911204

Owner

5040 Harbour Dr, a duplex, is owned and occupied by two individuals who bought it in May 2022.

Source: Sumter County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5040 HARBOUR DR, OXFORD, FL 34484-3779
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 13, 2022	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on File
Deed Sale	May 13, 2022 · Amount on File
Prior Sale	Mar 19, 2021 · Amount on File
Deed Document Number	202224979
Deed Book / Page	4268 / 477
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	5040 HARBOUR DR, OXFORD, FL 34484-3779
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	EQUITY NATIONAL TITLE LLC, SECURITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 BRUNNER DR, CINCINNATI, OH 45240-3807

Mortgage

Document Number	0042680479
Date	May 13, 2022
Book Page	4268/479
Instrument	202260024980

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Mar 19, 2021
Property Address	5040 HARBOUR DR, OXFORD, FL 34484-3779
Document Number	0039540278
Book / Page	3954 / 278
Map Reference	MB 9 PG 7
Instrument Date	Feb 25, 2021
Instrument	202160015129
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	AFFILIATED TTL OF CTRL FL LT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1255 KINGS CROWN RD, 1255, NORTH TUSTIN, CA 92705-1492

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29601 MARTIN VAN BUREN DR, MILLSBORO, DE 19966-8223

Mortgage

Document Number	0003954280
Date	Mar 19, 2021
Instrument	3954/280

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Jun 11, 2018
Property Address	5040 HARBOUR DR, OXFORD, FL 34484-3779
Document Number	0034230413
Book / Page	003423 / 000413
Instrument Date	May 31, 2018
Instrument	60021149
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	ADVANTAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 HARBOUR DR OXFORD FL 344843779, OXFORD, FL 34484-3779

Mortgage

Document Number	34230414
Date	Jun 11, 2018
Book Page	003423/000414
Instrument	60021150

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5040 Harbour Dr was $3,378 with a homeowner's exemption, down 5.7% from the year before.

Source: Sumter County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Sumter County
Municipality	Wildwood City
Unified School District	Sumter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,378.00 (-5.75%) Additional exemption filed	$278,690 Land $66,520 Building $212,170	$278,690 Land $66,520 Building $212,170
2024	$3,584.00 (+7.72%)
2023	$3,327.00 (+21.6%) Additional exemption filed	$283,020 (+45.15%) Land $66,520 Building $216,500	$283,020 (+45.15%) Land $66,520 Building $216,500
2022	$2,736.00	$194,980 Land $39,100 Building $155,880	$194,980 Land $39,100 Building $155,880

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

Flood

FEMA maps place 5040 Harbour Dr 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 5040 Harbour Dr 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	WILDWOOD, CITY OF (7 WPS) serves 25,941 people · EPA ID FL6600331
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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