528 Carrera Dr, Lady Lake, FL 32159 Property Records

Sumter County property record for 528 Carrera Dr, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	1,624 sqft · built 1999
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Apr 2026)
Tax Bill	$2,217 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131823D13M074`

Property Details

APN / Parcel Number

Primary APN	`131823D13M074`
Alternative APNs	`D13M074` `1014424`

Interior

Building Area	1,624 sqft Living Area
Gross Area	2,354 sqft
1st Floor Area	1,624 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	90 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	332 sqft

Location & Zoning

Street Address	528 CARRERA DR
City	LADY LAKE
State	FL
Zip	32159-9249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 74 THE VILLAGES OF SUMTER UNIT NO.15PLAT BOOK 4 PAGES 128-128B
Legal Range	23E
Legal Township	18S
Legal Section	13
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	74
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	3
Census Block	3020
Census Tract	910800

Owner

528 Carrera Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Sumter County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	528 CARRERA DR, LADY LAKE, FL 32159-9249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Mar 5, 1999 · Amount on File
Deed Document Number	202620572
Deed Book / Page	5109 / 539
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 23, 2026
Property Address	528 CARRERA DR, LADY LAKE, FL 32159-9249
Document Number	0051090539
Book / Page	5109 / 539
Instrument Date	Apr 10, 2026
Instrument	202620572
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CARRERA DR, LADY LAKE, FL 32159-9249

Mortgage

Document Number	0000020573,
Date	Apr 23, 2026
Instrument	202620573

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 528 Carrera Dr was $2,217 with a homeowner's exemption, up 1.3% from the year before.

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

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	$2,217.00 (+1.28%) Additional exemption filed	$182,140	$283,860 Land $32,400 Building $251,460
2024	$2,189.00 (+14.67%)
2023	$1,909.00 (+3.3%) Additional exemption filed	$171,860 (+3%)	$289,150 (+9.49%) Land $21,600 Building $267,550
2022	$1,848.00 Homeowner's exemption	$166,860	$264,100 Land $21,600 Building $242,500

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

Flood

FEMA maps place 528 Carrera 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 20 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2024 · rainfall accumulation

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 528 Carrera 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink DSL	140 / 20

May also be available: Verizon.

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