Sumter County property record for 615 Cadena Cir, Lady Lake, FL 32159
| Property Type | Single Family Home |
|---|---|
| Details | 2,390 sqft · built 1998 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $549,800 (Jun 2023) |
| Tax Bill | $3,592 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 121823D12U075 |
| Primary APN | 121823D12U075 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,390 sqft Living Area |
|---|---|
| Gross Area | 3,184 sqft |
| 1st Floor Area | 2,390 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Block |
| Construction Type | Wood |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 100 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 260 sqft |
| Porch | Screened Porch |
| Porch Area | 310 sqft |
| Street Address | 615 CADENA CIR |
|---|---|
| City | LADY LAKE |
| State | FL |
| Zip | 32159-9485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 75 THE VILLAGES OF SUMTER UNIT NO.16 PLAT BOOK 5 PAGES 2-2A |
| Legal Range | 23E |
| Legal Township | 18S |
| Legal Section | 12 |
| Legal Subdivision | THE VILLAGES OF SUMTER |
| Legal Lot Number | 75 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 911704 |
615 Cadena Cir is owned and occupied by two individuals who bought it in June 2023.
Source: Sumter County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 615 CADENA CIR, THE VILLAGES, FL 32159-9485 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC |
| Sep 28, 2021 | Correction Deed ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2023 · Amount on File |
| Deed Sale | Jun 26, 2023 · Amount on File |
| Prior Sale | May 20, 1998 · Amount on File |
| Deed Document Number | 202324621 |
| Deed Book / Page | 4489 / 7 |
| Prior Transfer Date | Sep 16, 2021 |
| Prior Transfer Doc | 0041070134 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Jun 26, 2023 |
| Property Address | 615 CADENA CIR, THE VILLAGES, FL 32159-9485 |
| Document Number | 0044890007 |
| Book / Page | 4489 / 7 |
| Map Reference | MB 5 PG 2-2A |
| Instrument Date | Jun 17, 2023 |
| Instrument | 202360024621 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2023 |
| Title Company | SIGNATURE ESCROW SERVICES LLC, SIGNATURE T&E SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,848.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 SENECA PL, ALBANY, NY 12208-1082 |
| Name | Verified Name |
|---|---|
| Address | 615 CADENA CIR, THE VILLAGES, FL 32159-9485 |
| Document Number | 0000044899 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 4489/9 |
| Name | CITIZENS FIRST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Sep 28, 2021 |
| Property Address | 615 CADENA CIR, THE VILLAGES, FL 32159-9485 |
| Document Number | 0041070134 |
| Book / Page | 4107 / 134 |
| Map Reference | MB 5 PG 2-2A |
| Instrument Date | Sep 16, 2021 |
| Instrument | 202160053433 |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 615 CADENA CIR, LADY LAKE, FL 32159-9485 |
The 2025 property tax bill for 615 Cadena Cir was $3,592 with a homeowner's exemption, up 1.3% from the year before.
Source: Sumter County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sumter County |
| Unified School District | Sumter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,592.00 (+1.33%) Homeowner's exemption | $310,650 | $450,630 Land $48,600 Building $402,030 |
| 2024 | $3,545.00 (+28.49%) | ||
| 2023 | $2,759.00 (+1.36%) Additional exemption filed | $251,450 (+3%) | $450,300 (+4.71%) Land $32,400 Building $417,900 |
| 2022 | $2,722.00 Homeowner's exemption Widower's exemption | $244,130 | $430,040 Land $32,400 Building $397,640 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 615 Cadena Cir 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 21 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 21 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 risk around 615 Cadena Cir is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 140 / 20 |
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